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Standard Chartered · 1 month ago

Securitization Senior Credit Officer, Specialized Finance Risk

New York, United States

Full-time

Hybrid

Senior Level, Lead/Staff

$234K/yr - $325K/yr

10+ years exp

Standard Chartered is an international bank dedicated to making a positive difference in clients' lives. The Securitization Senior Credit Officer will manage credit risk within the Specialized Finance Risk for Corporate and Investment Bank, focusing on asset-backed financing and securitization while ensuring compliance with risk management frameworks.

BankingFinanceFinancial Services

H1B Sponsor Likely

Responsibilities

Managing credit risk within the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”)

Experience gained from an investment bank or a specialised / structured finance group of a major international organisation and a relevant degree from a top-tier university

Strong understanding of credit risk, financial analysis, structuring, stress testing and jurisdiction risk, and their application in lending decisions for single counterparty credit risk appetite

Able to manage credit risk appetite with early-stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations

Early-stage deal screening and due diligence of new transaction requests, with the ability to unpack complex situations or niche sectors to find out-of-box solutions, and value creation for clients

Influence structuring for best-in-class underwriting and to achieve successful and timely transaction execution and syndication

Champion business initiatives which promote revenue growth whilst protecting against the downside risk by identifying the short- to medium-term risks

Credit approve 1LoD prepared credit applications and rating assessments using subject-matter expertise and manage a portfolio of unique counterparties with early-stage detection of credit deterioration (Early Alert Ratings), which includes stress testing

Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners

Ensure that the relevant 1LoD and 2LoD owners understand and accept their risk management responsibilities, where risks are managed and risk-return trade-offs are made, in line with Credit Risk frameworks

Proactively seek for improvements in 2LoD and lead associated internal initiatives related to governance, regulatory, policy, or risk driven reporting

Ensure a robust effectiveness review process to Credit Risk and escalate significant matters and / or gaps in implementation to senior management and the relevant committees

Monitor compliance of approved risk appetite using the risk information reporting and highlight significant matters to the attention of senior management and senior risk committees

Maintain and influence a culture of good conduct in the Risk function and embed the Risk culture statement

Represent SF Risk in business meetings, client due diligence and conferences, seminars

People leader, team player and solid independent professional. Highly adaptable to cross-cultural environment and working closely with a multitude of professionals from various geographies and nationalities

Promote Risk to the wider organization and partner Risk peers (including market risk, policy and governance, and enterprise risk management) for risk wide initiatives

Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role

Qualification

Credit risk managementAsset-backed financingSecuritisation expertiseFinancial analysisStress testingDue diligenceCross-cultural adaptabilityRegulatory awarenessTeam leadership

Required

Managing credit risk within the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”)

This opportunity will suit a Senior Credit Officer / Executive Director equivalent profile with the relevant background and +10 years proven expertise in asset-backed financing / securitisation and/or Private Credit / Middle Market / Leveraged Finance in the US markets