VP/Director, Corporate Sector Lending

Your key responsibilities:

• Work closely with our coverage teams in the region in the co-origination and business development of lending products. Advise, structure and execute primarily lending transactions, but also assist in establishing limits for Financial Markets products and/or trade finance products to offer tailored solutions to our customer’s requirements.
• Prepare credit proposals and manage the credit approval process for lending, trade finance and financial market limits, ensuring follow-up on post-approval conditions and covenants where the CSL team acts as the main point of entry for the Risk Manager.
• Work with other banks (in club/syndicated loans) on structuring transactions that meet clients’ needs and fit within the credit appetite of the bank.
• Responsible for the negotiation of loan documentation and trade finance documentation with clients, in close collaboration with the coverage team, Risk and Legal (if required, with outside legal counsel)
• Ensure appropriate portfolio management through monitoring of the performance of the companies in the portfolio, including identifying Early Warning Signals for a deterioration in credit quality and performing annual reviews. This includes responsibility for the quality of his/her credit files (risk costs, data quality, effectiveness, accuracy/efficiency, timeliness).
• Keep track of market developments for lending across countries and sectors covered to be able to adapt and respond to current events and changes in (local) market circumstances.
• To comply with relevant credit and non-financial risk policies as well as other policies and regulations, as the business first Line of Defense pursuant to the bank’s 3LOD governance framework.
• Support lending related projects, policy changes, etc. as part of change management, where required under relevant Wholesale Bank transformation/change strategies.

• University degree major in business/economics, law or relevant business discipline.
• A minimum of 10 years of experience for Director level or a minimum of 7 years of experience for VP level with proven track record in in corporate lending, credit risk, relationship management, leveraged finance and/or structured finance.
• Strong results orientation, comfortable with driving financial performance, such as revenues, fees, and returns.
• Strategic thinking skills, with ability to synthesize broad information quickly and cogently.
• Strong analytical skills (financial/credit), including financial modelling skills.
• An eye for detail.
• Strong client focus and proven ability in stakeholder management (both internally and externally)
• Someone who is self-motivated, “Hands-on” and possesses a positive and “can do” attitude.
• Ability to collaborate closely with product partners, particularly client coverage and risk management.
• Strong organizational skills and ability to handle pressure and tight deadlines.
• Team player with good interpersonal skills
• Effective communicator who is fluent in English.
• Strong negotiating, relationship management and sales / presentation skills.
• Positive attitude towards change and ability to adjust to dynamic business environment.

• Experience in the Indian loan market