Credit Risk; Infrastructure Finance - Vice President

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EMEA CIB Credit Risk (CIB CR)’s principle responsibility is to maintain and monitor the quality of that part of the lending book falling within its jurisdiction of EMEA (Europe, Africa and the Middle East), in accordance with Bank policy and the procedures contained in standard instructions. This role will support this activity and sit within Group 3 of the CIB CR team.

Group 3 comprises two teams, primarily responsible for (1) Emerging Markets Financial Institutions, Sovereigns and Government Related Enterprises, and (2) Real Assets Financing which includes Project Finance, Infrastructure Finance and Real Estate Finance.

Specifically, CIB CR will:

• Approve credit / risk lines up to the approval level of the General Manager / Department.
• Review and provide a recommendation to Head Office or the Head of Region on credit requests above the approval level of the Department.
• Review and monitor the loan portfolio to maintain a balanced and quality driven asset base.
• Disseminate and ensure compliance with bank credit policy, regulatory requirements and local laws.
• Act as a point of reference and maintain a constructive and supportive relationship with the Branches for all credit and lending related matters.
• The ideal candidate for this role is delivery focused with a thorough understanding of credit analysis techniques, and an excellent track record of analysing information to present sound recommendations.

• As a primary responsibility to carry out a thorough analysis of credit and rating applications for new transactions and reviews (incl. where needed for restructurings) for infrastructure finance transactions. This includes traditional infrastructure (power generation, incl. renewables, heat production, energy from waste, networks, etc.), digital infrastructure (data centres, wired networks, wireless towers) and various alternative infrastructure assets, financed through corporate, acquisition finance (LBO) and hybrid financing structures.
• Responsibilities include also review and analysis of related due diligence reports (financial, market, legal, technical, where necessary).
• Based on this, prepare credit reports and recommendations to Senior Management enabling a final credit judgment to be made and ensure that transactions comply with respective credit policies. Where necessary, in order to gain a better understanding of the credit, attend bank meetings and / or make on-site visits.
• Proactively monitor developments across allocated product and industry sectors identifying major risk factors and, after investigating any adverse developments that may affect existing clients and/ or quality of book, bring these to the attention of Senior Management.
• To conduct credit reviews and assess internal ratings on a regular as well as an ad-hoc basis.
• Effectively liaise with, and provide guidance to the business side on all credit related matters.
• Together with the Team Lead to act as a direct interface between CIB CR and the respective front office origination and portfolio management teams.

• Advanced credit analysis and research skills (including cash flow analysis and financial modelling), ideally gained in a mainstream-banking environment.
• Experience of lending to and analysing of corporate finance or acquisition finance propositions in EMEA region, with focus on infrastructure finance.
• Desire and willingness to expand responsibility for analysis and review of other areas like real estate finance and project finance.
• Solid understanding of financial markets.
• Ability to fully understand and interpret balance sheets, P&L accounts and cash flows.
• Good oral and written communication / presentation skills and ability to communicate at all levels.
• Computer literate on Microsoft Word, Excel and PowerPoint.
• Ability to work in a time constrained and cross cultural environment.
• Degree educated with an ability to learn quickly.
• Previous formal credit control experience or some form of formal credit and / or accountancy training.
• Experience of lending into emerging markets (Eastern Europe, Middle East, Russia, Africa)
• Knowledge…