Wholesale Credit Risk – Associate / Vice President – EMEA Emerging Markets, MENA

Job responsibilities

• Serve as the credit expert for a portfolio of clients in the region, with primary responsibility for credit exposure.

• Manage clients across industries including corporates, financial institutions, and sovereign-related entities, including monitoring credit ratings, sector trends, and client performance.

• Lead due diligence, credit analysis, and financial modelling of counterparties, transactions, and complex financing structures drive preparation of credit memos and recommend appropriate structure, risk appetite, and grading.

• Work across products including secured and unsecured loans, derivatives, trade and treasury products, and related documentation lead structuring, negotiation, and execution of loan documentation, derivatives, and other facilities.

• Make sound credit recommendations and own the credit approval decision.

• Balance a commercial and solution-driven mindset with a sound risk and controls attitude.

• Track market and industry developments and their impact on clients, keeping up to date with the political and macroeconomic environment and maintaining in-depth knowledge of portfolio clients.

• Build relationships with key internal and external stakeholders and foster team knowledge.

• Coach and train junior team members on technical and professional skills (leading or as part of a portfolio team).

• Meet clients and lead due diligence meetings

Required qualifications, capabilities, and skills

• Strong analytical and credit skills/judgment, covering both qualitative and quantitative aspects.

• Demonstrable product knowledge of a wide range of lending, derivative and treasury services products and associated documentation.

• Established team player with project management skills and ability to take end-to-end ownership of work/projects.

• Ability to take an active role in identifying key issues and concerns relating to clients, their industries, and transaction structures.

• Ability to establish credibility and trust with clients, internal business partners, product specialists, and credit officers, and to partner with them effectively.

• Ability to foster relationships and confidently interact with origination teams and other internal stakeholders.

• Self-starting, result-driven, able to multi-task, with a risk-reward mindset and adaptability given the dynamic nature and timing of workflow.

• Coaching and development ability towards junior colleagues.

• Strong written and verbal communication skills, along with strong interpersonal skills.

• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment.

• Experience in roles with relevant skills for this position
  
  

Preferred qualifications, capabilities, and skills

• Previous experience reviewing and commenting on loan documentation and core corporate derivative documentation.

• Highly proficient in Microsoft Excel with ability to navigate financial models, as well as Microsoft PowerPoint, Word, and Outlook.