Strategic Leader

Our organization is seeking an experienced professional to lead the Credit Origination function for Business Banking. The successful candidate will drive balance sheet and revenue growth through high-quality credit underwriting, portfolio optimization, and proactive risk management.

Key Responsibilities:

• Oversee the assessment and structuring of credit facilities in line with customer needs and risk appetite.
• Lead the origination of new credit facilities to achieve business banking balance sheet and NII targets.
• Ensure quality credit assessment and structuring of deals to support revenue generation while maintaining credit standards.
• Drive the achievement of key financial metrics and ensure timely and quality credit decisions.

Portfolio Risk Management:

• Ensure strong portfolio health by maintaining PAR within acceptable levels.
• Drive early warning, restructuring, and Exit Watch List processes.
• Ensure rigorous oversight of covenant compliance, excess management, and deteriorating accounts.

Relationship Deepening and Customer Experience:

• Collaborate with Relationship Managers to unlock additional value from existing portfolios.
• Improve Credit Client NPS through faster and more responsive credit processes.
• Support customer engagement through joint visits and relationship deepening strategies.

Cost and Productivity Optimization:

• Support delivery of the Business Banking efficiency ratio and headline earnings.
• Optimize resource allocation and productivity within the Credit Origination team.

Education and Qualifications:

• Bachelor's degree in finance, accounting, economics, or a related field.
• Master's degree or professional certifications (e.g., CPA, CFA, ACCA, FRM) preferred.
• Credit Certification (e.g., Omega, Moody's, CFA Credit stream) also desirable.

Preferred Experience:

• Minimum 10 years in credit origination or credit risk; at least 5 years in a leadership role within Commercial or Business Banking.
• Proven track record of delivering results-oriented performance management and process discipline.

Knowledge and Skills:

• Deep understanding of credit policy, risk appetite, and structuring complex deals.
• Proven ability to lead and inspire high-performing teams.
• Strong commitment to client experience and internal collaboration.