The role is responsible for managing special and complex credit operations over their life-cycle, working in close collaboration with Front Office and Credit Advisory teams. The position focuses on highly leveraged lombard credit, as well as single stock lending, transactions with illiquid or otherwise exceptional collaterals, transactions with OTC derivatives and custom loan documentation. A solid experience in these fields is required, as the role will be involved both in the analysis and approval of individual special and complex transactions, as well as monitoring them until expiration.
In addition, the role involves monitoring and controlling the overall credit risk of the bank’s portfolio of special and complex operations, ensuring effective monitoring of concentrated, leveraged, and bespoke exposures. The position also plays a key role in expanding and automating overall credit risk reporting capabilities, contributing to process efficiency and continuous improvement through delivery of innovative solutions.
Duties and Responsibilities
Manage the credit underwriting process for special and complex operations in close coordination with Front Office and Credit Advisory teams.
Assess and approve credit risk for transactions including, but not limited to:
- Leveraged securities lending (margin lending) and single stock lending
- Complex lending value exceptions
- Complex OTC and derivative transactions
- High-Net-Worth (HNW) customers’ and large-volume credits
- Non-standard credit contracts and customized covenant structures
Perform ongoing risk monitoring of margin lending, concentrated exposures, and non-standard transactions at both client and bank level.
Monitor and manage the overall credit risk exposure of BSISA’s portfolio of special operations, identifying emerging credit risks and proactively proposing mitigation measures.
Maintain close interaction with commercial teams, contributing to deal structuring while ensuring robust credit risk discipline.
Support and dynamize the team through effective collaboration, communication, and a proactive risk culture.
Expand, enhance, and automate BSISA´s credit risk reporting and decisioning capabilities.
Promote efficiency improvements through the use of innovative and digital solutions in credit risk processes.
Profile:
Proven hands-on experience in structuring and monitoring private banking credit transactions of a complexity beyond traditional Lombard lending: highly leveraged (margin) lending, single stock lending, transactions with illiquid, concentrated or non-standard collateral.
Additional experience or solid exposure to derivative and complex OTC transactions.
Professional background preferably in private/investment banking with solid experience in credit structuring, credit documentation, and credit monitoring with a focus on bespoke transactions.
Experience in the supervision of customers and transactions representing complex, concentrated, and non-standard credit exposures.
Strong knowledge of financial markets, products, services and risks.
Strong analytical, reporting and presentation skills.
Dynamic and proactive professional profile with strong soft skills to effectively collaborate with and guide commercial teams.
Ability to contribute to team dynamization and foster constructive working relationships.
Experience or strong interest in innovative solutions aimed at improving process efficiency and risk monitoring.
Mindset focused on continuous improvement, with motivation to bring new ideas and enhance existing ways of working.