Senior Credit Manager, Specialized Finance

Job Description

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Requisition Number: 43521

Job Location:

New York, USA

Work Type:
Hybrid Working

Employment Type:

Permanent

Posting

Start Date:

13/11/2025

Posting End Date: 14/01/2026

Job Description:

Key Responsibilities

The role holder will be responsible for the following:

* Managing credit risk as part of the second line of defence ("2

LoD") within the Specialised Finance ("SF") Risk for Corporate and Commercial and Institutional Bank ("CCIB") & Financial Markets ("FM") businesses ("1

LoD").

* This opportunity will suit a Senior Credit Manager profile with the relevant background and proven expertise in Project & Export Finance and/or Leveraged & Acquisition Finance. The wider global team also covers commercial real estate (CRE) financing, Transportation Finance (Aviation & Shipping), Fund Financing, Asset-backed Securitisation etc.

The role entails the following:

* Early-stage deal screening and due diligence of new transaction requests.

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

* Partner with the business to deliver strategic aspirations whilst remaining within agreed risk appetite and optimising use of risk capital.

* Credit approve 1

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

* Prepare and present periodic portfolio monitoring reviews with senior 1

LoD stakeholders and senior 2

LoD Risk partners.

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

* Ensure that the relevant 1

LoD and 2

LoD 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 2

LoD and lead associated internal initiatives related to governance, regulatory, policy, or risk driven reporting.

* Act as the Credit Risk control owner under the Group's Risk Management Framework (including relevant Operational Risk Framework ownership for Credit Risk) and ensure a full understanding of the risk and control environment in area of responsibility.

* 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.

* Ensure that the quality of the credit portfolio is maintained within acceptable parameters as defined by the Group and Country Risk Appetite statements and relevant Portfolio Underwriting Standards, and that the reporting of information relating to that portfolio is timely and accurate.

* Ensure global credit policies and procedures are consistently interpreted, understood and applied, and that all deviations are appropriately reported, escalated and approved.

* 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, engagement with Regulators 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.

Qualifications

* Market Knowledge:
At least 7+years of relevant experience in Project & Export Finance and/or Leveraged & Acquisition Finance.

* Business Strategy and Model:
Sharp business acumen (including ability to assess risk and appropriate levels of return), strong leadership qualities, excellent interpersonal skills and multi-cultural awareness and sensitivity.

* Risk Management and Control:
Demonstrated track record in successful management and ability to manage risk in geographically dispersed and highly varied product base. Expertise in process design and control.

* Regulatory Framework and Requirements:
Awareness and understanding of regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.

* Non-technical

Skills:

Significant relationship management experience - with external stakeholders at the most senior levels, including regulators and rating agencies.

* Training:
Role holder will be required to pass bank's credit risk accreditation program within 6-months of joining, in addition to other training as deemed mandatory by the SCB.

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