MD, Credit Portfolio Analytics, AME

JOB SUMMARY

The Regional Head of Credit Portfolio Analytics ("CPA") within the Syndicate & Portfolio Management ("SPM") will lead the relevant CPA analyst teams in the specific region.

• Bring strategic thought and vision as to how the sector landscape is changing and where areas of growth lie – contribute to the global view and specific to the region managed.
• Contribute to formulation of CIB’s strategy and 5-year Corporate Plan and its successful execution in the region by dynamically and appropriately risk managing the respective loan portfolios, minimizing loan impairments, supporting revenue growth, recycling capital and maximising ROTE.
• Proactively identify / bring to the attention of key business and risk stakeholders emerging strategic risk and assist in devising strategies in reshaping businesses to mitigate these – contribute to the global view and specific to the region managed.

• Oversee CIB portfolio in the region and for establishing and maintaining an end to end understanding of client needs and steering the client relationships to facilitate achievement of revenue aspirations across the portfolio.
• Proactively managing and mitigating credit risk (monitoring and analysis) in the portfolio in close co-ordination with Coverage, Product teams, Risk, SPM teams and other stakeholders.
• Provide oversight and ensuring a high standard of credit governance and quality of analysis. In addition, the analyst teams assess and monitors all enterprise risks including operational risk, market risk, reputational risk, fraud risk and climate risk.
• Assist in driving policy/process/platform change as well as adoption of new technology like AI to continuously improve productivity levels.
• Contribute to managing the impact from regulatory and accounting changes.

• Proactively manage / monitor the overall CIB client assets portfolio across all products in the region to minimize risks, ECLs and maximize risk adjusted returns.
• Partner coverage and product bankers in pursuing client strategies through proactive idea generation, support in client pitching and implementation of account strategy.
• Ensure appropriate deal structuring & post deal monitoring so that transactions are in line with regulatory / policy requirements and meet client needs.
• Support business growth and actively participate in the underwriting and credit assessment of new and existing clients.
• Contribute to CPA MT meetings and other relevant forums in the regions.
• Partner Risk through proactive and considered discussion of key risk aspects in the portfolio managed by the team.
• Ensure that industry and product knowledge is continually developed within the team.
• Stay abreast and anticipate the developments of the segments in which our clients operate.
• Provide timely portfolio updates to GH CPA, GH CPM, GH SPM and other key senior stakeholders of the various businesses, risk & other control functions.
• Assist in robust deal selection, conflict resolution and risk management to ensure the business is consistent with the strategy and risk appetite.
• Ensure forward looking Credit analysis and make recommendations to actively sell down/Credit insure assets in the book.
• Work closely with SAG and the respective product & coverage teams to ensure that stage 3 ECLs are reasonable and arrived logically with realistic assumptions.
• Review structure, timing, pricing to market, and executing the distribution strategies of primary / secondary syndicated loans.
• Distribution of loans in secondary markets for the Bank alongside Loan Syndicate teams.
• Provide loan market intelligence to Coverage and Product partners to enable origination to distribute.

• Lead through example and build the appropriate culture and values. Set appropriate tone and expectations from the team and work in collaboration with risk and other partners.
• Ensure the provision of ongoing training and development of people and ensure that holders of all critical roles are suitably skilled and qualified ensuring that they have effective supervision in place to mitigate any risks.
• Employ, engage, and retain high quality people, with succession planning for critical…