Credit Underwriter

• Responsible for the delivery of BCO tasks in line with agreed OKRs, SLAs and KPIs for own portfolio of clients. Please note a commensurate portfolio comprising of moderate to high complexity of clients will have to be managed by the successful candidate which could amount to 30% of available time.
• Lead and manage the end-to-end CCM journey, ensuring a seamless and efficient process for customers and internal stakeholders.
• BCO Regional Heads, WMR and other key stakeholders where necessary to ensure successful completion of key Optimization and Transformation initiatives
• Manage a team comprising primarily of ODC resources for setting up the team, and manage their workflow, training & development to deliver the BCO model satisfactorily within agreed timelines
• Continuously drive improvement in productivity of the BCO team whilst enhancing client experience.
• Drive adoption of technology/digital and customer experience improvement initiatives, including alignment to a globally consistent C&L operating model.
• Monitor and analyze customer and stakeholder feedback, identifying key areas of focus to improve customer outcomes.
• Work with the Head of BCO COE to ensure risks and issues related to CCM are escalated to country, regional and global stakeholders and resolved in a satisfactory manner.
• Closely work with the senior management team and Regional Sustainability Champions to drive various activities as part of the Group's transition to Net Zero along with implementing various strategic initiatives across BCO teams.
• Drive continuous improvement initiatives across credit analysis activities to deliver a high and consistent standard.
• Ability to build and maintain strong relationships across the teams, including credibility with both Business and Risk teams.
• Develop and maintain a diverse, innovation-driven BCO team, ensuring high levels of engagement and satisfaction
• Participate in deal discussions and meetings with clients or credit risk as required.
• Protect the Bank by acting as First Line of Defense and observing all controls.
• Identifies and anticipates all types of risks (e.g., industry, portfolio, diversification, sovereign, commercial, currency, etc.) and identify micro and macro trends impacting the credit portfolio, working with WCRM and business heads to take appropriate steps in changes to underwriting criteria and conducting rapid portfolio reviews.
• Demonstrates ability to engage in constructive and consistent dialogue with risk partners, in a manner that effectively balances commercial outcomes and risk management
• Work with the Head of BCO to ensure adequate credit risk management controls are built into the operational process and robust MI is in place to track and measure risk against agreed thresholds
• Responsible for talent management, performance management & succession planning as applicable.
• Effectively coordinate with all other USA co-leads to deliver the CCM/BCO objectives smoothly.
• To regularly host exchanges for the team and ensure necessary action plans are designed and executed for resolution.
• Foster a culture of compliance amongst the BCO team members as regards Group Compliance Policy.

• Experience range– 2-10yrs (Postgraduate/ CA- preferrable)
• Strong experience in credit underwriting / preparation of credit proposals for wholesale lending

• Chartered Accountants / master’s in business, Finance, Economics or equivalent is essential and any professional qualification (i.e. CFA, Chartered Banker) is desirable. If none, tenured experiences in credit analysis and/or credit approvals will be considered.
• strong background in managing loan portfolios.
• Proven track record in leading and managing senior stakeholders, with experience in organizational design and strategic planning.
• Knowledge of Investment Banking is mandatory, such as Securities, Treasury, Foreign Exchange, Derivatives, ESG and Climate risk.
• Strong stakeholder management skills, with the ability to navigate complex situations and drive alignment among senior stakeholders.
• Expertise in credit risk management and control assessment
• Excellent analytical and problem-solving skills, with the ability to articulate customer feedback and distil key areas of focus.
• Proven ability managing in a large and complex operational environment.
• Excellent communication and interpersonal skills, commercial mindset with the ability to influence and collaborate effectively across all levels of the organization.

Others

• Demonstrated expertise in credit underwriting, including preparation and review of credit proposals for wholesale lending, ensuring strict adherence to internal credit policies and regulatory requirements.
• Proficient in structuring and preparation of credit proposals, including business model, risks and mitigants, financial analysis, industry analysis, forecasting / cash flow moClienting, assigning risk ratings, and providing business recommendations aligned with business objectives.
• Strong capability in financial statement analysis, cash flow moClienting, and conducting stress tests to support informed credit decisions.
• Experienced in monitoring and managing credit exposure across diverse portfolios, with a proven ability to implement effective risk mitigation strategies.