VP- Credit - NBFI

OverviewVice President of Credit Management for NBFI will be primarily performing credit underwriting of NBFI proposals. Experience required mainly on assessing proposals of asset managers, funds, insurance companies, foreign government, virtual asset service providers, payment service providers, supranational and financing / leasing companies. This role requires a highly analytical individual with deep expertise in credit risk evaluation, particularly in financial institutions (FI) and non-bank financial institutions (NBFI). The successful candidate will work closely with coverage and product teams to ensure the bank's portfolio remains resilient against credit defaults. This position demands a combination of quantitative rigor, strategic risk assessment, and proactive portfolio management. Having knowledge on ISDA/CSA/GMRA documentation aspects will be added advantage.Key AccountabilitiesConduct thorough credit risk assessments for complex financial transactions across multiple asset classes.Develop and implement risk management strategies to safeguard the bank’s portfolio.Collaborate closely with coverage, product, legal and risk teams to evaluate credit exposure and recommend risk mitigation measures.Discuss with clients and external advisors in unique cases to ensure robust credit risk assessment and compliance with regulatory standards.Monitor market trends, regulatory developments, and emerging risks to enhance the bank's credit risk framework.Specific AccountabilityHandle independently credit evaluation and approval process for FI and NBFI proposals.Analyze fund structures, investment strategies, asset quality and identify where the risk lies.Review term sheets and identify credit and structural risks.Set Credit terms and conditions including limits / amortization schedule, covenants, seniority of claims, EoD terms etc.Monitor ongoing credit exposure at product level and counterparty level; also undertake ad-hoc event based risk analysis. Maintain and improve Overall Quality of FIG PortfolioOversee documentation and contractual agreements, including ISDA/CSA, GMRA, LMA, and Islamic global market documentation.Adherence to Policies, Processes and Procedures of FAB, Regulators etc.Credit Processing and Approval Turnaround TimeKnowledge & ExperienceBachelor’s Degree in Business, Accounting, Finance or relevant discipline (Master’s/MBA preferred)Minimum 12 years of experience in Banking sector of which at least 5 years in NBFI assessments and analysisStrong understanding of financial statements, credit risk assessment, cash flow analysis and structured lendingSkillsExtensive experience in credit risk assessment, particularly in FI and NBFI customersGood understanding of fund structures, capital commitments, asset quality criteriaStrong financial analysis skills with ability to review client’s assumptions / business risksUnderstanding of market risk elements for both listed & unlisted entities (incl. standard valuation procedures, mark to market and monitoring frameworks)Knowledge in industry-standard legal documentation, including ISDA/CSA, GMRA, LMA, and Islamic finance agreements will be added advantageAbility to work independently & is self-motivatedStrong communication and interpersonal skills with ability to clearly articulate risk consideration and credit rationaleProject management, problem solving and people skillsStrong experience working across teams to deliver consistent outcomesLeadership skills#J-18808-Ljbffr