The Corporate Credit Team is responsible for providing management and analytical support for the Bank’s activities in its Global Markets business areas (FIC and Commodities) and implementing the Bank’s credit procedures and policies, including approval of credit limits.
It is also responsible for managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of managing risk within acceptable parameters.
What you’ll be doing
This role primarily involves managing a portfolio of structured financing credit risks associated with the Bank’s strategic lending transactions and related investing activities, with the primary objective of structuring, assessing and managing risk within acceptable parameters.
The candidate may also support the Bank’s commodities related counterparty portfolio, for both financing and derivatives products.
What you’ll need to be successful
We’re looking for the following skills and experience. If you don’t have all of these but think you could be a good fit for the role, get in touch.
- Experience in writing credit applications and analysing transactions within the credit risk department of a Financial Institution.
- Good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals.
- Good understanding of lending and derivative products across sectors, including ability to analyse and interpret cash‑flow models and conduct sensitivity analysis.
- Ability to understand structured deals and provide guidance to ensure sound security / covenant structures are in place.
- Ability to interact with Front Office providing credit support to Deal Teams and Sales Teams.
- Experience of engaging with clients to discuss transaction terms and related credit risks.
- Working knowledge of the risk systems for monitoring and related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles.
- Conceptual and practical knowledge of credit procedures, policies and standards.
- Prior experience dealing with non‑performing and/or defaulted names, including recoveries, would be beneficial but is not essential.
Evaluation and Approval of Credit Applications
- Ownership and understanding of the risk profile of the structured transaction credit portfolio.
- Formulation and evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, in addition to annual reviews on the existing portfolio.
- Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counterparty and structural risks.
- Prepare and present applications to Credit Committee and other Risk forums involving Senior Management.
- Articulate credit appetite and give guidance on structure of deals and documents required to mitigate risks as far as possible.
On‑going Credit Management
- Proactively communicate key risks as they arise.
- Overall management of the portfolio of accounts with appropriate escalation, including credit limit monitoring.
Leadership
- Demonstrate and/or develop a proactive, “Change the Bank” mind‑set.
- Identify and drive change within Credit and the Business by initiating and owning change projects as necessary.
- Support the training and development of graduates and junior team members.
Business Support & Recoveries (BS&R)
- Support the BS&R team with management of Watchlist and Non‑Performing names.
Why should you join us?
ICBC Standard Bank Plc (ICBCS) is a leading financial markets and commodities bank, driven to deliver the right outcomes for our stakeholders, clients, counterparties and markets. We benefit from a unique Chinese and African parentage and an unrivalled global network and expertise. We’re headquartered in London, with operations in Shanghai, Singapore and New York.
We’re a diverse and close‑knit global team. We put people first, giving talented, self‑driven professionals the flexibility, rewards and freedom to grow their expertise and realise their potential.
Our vision statement, “Be Yourself, Succeed Together” underpins our drive for an open and transparent culture which values difference, enabling everyone to thrive whilst being themselves. We have an active E, D&I forum and we’re growing other employee network groups, including for women and neurodiversity.
We’re committed to the principle of equal opportunities. All applicants will be treated equally and will be considered on their merits and skills without discrimination.
What’s in it for you?
- Financial market‑based pay based on skills and experience, discretionary annual bonus, pension contribution 10% (employee contribution 5%), travel insurance, life assurance and income replacement insurance.
- Hybrid working the option to work remotely up to two days per week, depending on the role.
- Family – 6 months fully paid maternity leave and enhanced shared parental leave. Coaching for family leave returners and access to emergency care via My Family Care. Miscarriage and menopause policies.
- Wellbeing – private medical insurance, Bike2Work scheme, health and fitness subsidy, holiday exchange and an Employee Assistance Programme.
- Community – paid volunteering leave and Give as You Earn scheme. Vibrant CSR and engagement forums and fundraising for our charity partners.
- Development – a suite of opportunities to build the skills you need to excel in your role.
If you’re excited about becoming part of our team, get in touch. We’d love to hear from you!
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