Job Description

Job Summary

• Approval of credit risk appetite for the bank's corporate clients in the UAE/Middle East region, within their individual delegated credit approval authorities.
• Managing and mitigating the risk of the bank's Corporate Credit portfolio in the UAE/Middle East region.
• Oversee and monitor the credit portfolio, ensuring risk diversification and adherence to established credit limits. The portfolio will comprise a spectrum of corporate clients across different segments, including Middle Market, Large Local Corporates, Multi-National Corporations and Government Related Entities.
• Monitor key credit risk metrics and ensure early identification of potential issues to mitigate risk exposure.
• Work closely with first line of defence including Relationship Managers and Credit Analysts to ensure high standards of credit analysis and approval submissions.
• Proactively perform portfolio reviews and stress testing
• Collaborate across departments to ensure a cohesive approach to risk management.
• Maintain strong relationships with stakeholders and regulators. The role supports the corporate and investment banking business and entails working closely with the First Line of Defence (1LOD) and various other stakeholders - Chief Risk Officer, Chief Credit Officer, Legal, Audit, Product Partners, Middle and Back Office Support etc.

Skills and Experience

• Experiences in Corporate Banking credit risk management, credit analysis, credit approval, client origination or portfolio management experience
• Minimum bachelor's degree. CFA, FRM certification preferred.
• Strong analytical skills and ability to independently manage a portfolio of accounts and run with new deals/transactions with minimal supervision.
• Sound credit and commercial judgement.
• Good understanding of Transaction Banking, Trade Financing, Credit and Financial Markets, and Structured Lending products
• Good knowledge of Legal Documentation
• Have a sense of ownership, excellent interpersonal skills and multi-cultural awareness and sensitivity.
• Ability to deal with various stakeholders across different functions and levels of seniority.

About Standard Chartered
We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.
Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.
Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer
In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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