Senior Manager, Corporate Credit

About the Role
This position involves providing independent credit assessment and approval oversight for Corporate Banking exposures across assigned sector(s). The role ensures alignment with the Bank’s risk appetite and regulatory expectations while evaluating and approving complex credit proposals, including bilateral, syndicated, structured, and project finance transactions. The position necessitates leveraging cross-sector expertise to assess diverse corporate exposures and risk dynamics, overseeing the end-to-end credit lifecycle, and collaborating closely with policy and portfolio management teams. The successful candidate will also be responsible for assessing portfolio-level risks and recommending appropriate risk mitigation strategies while partnering with Corporate Banking relationship teams.

Key Responsibilities
Credit Underwriting & Approval Quality

• Evaluate and approve complex credit proposals through robust underwriting judgment and risk analysis.
• Ensure all credit proposals are assessed within delegated authority, applying sound credit standards and adherence to established approval frameworks.
• Maintain high quality of credit appraisals to minimize rework and proposals returned or declined at higher approval forums.

Portfolio Quality & Risk Management

• Maintain quality of the assigned loan portfolio, assessing risks and recommending timely mitigation strategies.
• Minimize migration across risk grades through proactive monitoring and early intervention on emerging vulnerabilities.

Cross-Sector Credit Expertise & Transaction Assessment

• Leverage expertise across diverse sectors to assess borrower and transaction risks.
• Provide independent credit views on single-name and portfolio exposures by integrating industry, financial, and structural risk considerations.

Early Warning Identification & Remedial Action

• Ensure early detection of warning signals to enable timely corrective action.
• Recommend remedial strategies and support restructuring actions to minimize potential credit losses.

Turnaround Time & Credit Processing Efficiency

• Maintain targeted turnaround time for processing credit proposals, ensuring consistent handling of proposal volumes without compromising quality.
• Drive efficiency in credit processing through structured workflows and clear approval accountability.

Business Partnership, Structuring & Market Engagement

• Partner with Relationship Managers to structure appropriate credit solutions while balancing commercial requirements with risk acceptance.
• Provide independent credit guidance on transaction structuring, facility terms, security, covenants, and risk mitigants for complex exposures.

Governance, Committees & Credit Culture

• Attend Credit Committees to contribute independent, high-quality credit perspectives on proposals.
• Participate in focus groups to strengthen credit processes and overall governance standards.

Knowledge, Skills & Experience

• University graduate in Finance, Business Administration, Economics, or related discipline with a strong foundation in corporate finance and credit risk.
• Minimum 12–18 years of experience in Corporate Credit within a bank or financial institution, including significant exposure to complex underwriting and credit approvals; experience as an authorized approver is essential.
• Demonstrated expertise in evaluating large and structured transactions and strong cross-sector credit experience.
• Deep understanding of corporate financial analysis, cash flow modelling, and credit structuring techniques.
• Sound knowledge of credit policies and regulatory frameworks applicable to corporate banking.
• High degree of analytical capability with the ability to synthesize complex financial and commercial information into clear credit decisions.
• Excellent communication and presentation skills, along with strong stakeholder management and influencing skills.