Lombard Credit Officer

Tasks

• Management of a portfolio of accounts, encompassing end-to-end processes, including monitoring, exception handling, and review of credit documentation
• Evaluation and credit review/approval of loan applications for Lombard and insured credit lines, margin trading in foreign currencies, exchange-traded and OTC derivatives, delegated credit approval authority for new/increased lines of credit and annual reviews within a timely framework, high-risk accounts, and escalation for discussions with the front office regarding risk mitigation measures to prevent losses
• Review and assessment of the portfolio in the monthly risk report, quarterly stress test, and ad hoc reports to identify high-risk accounts and escalate them for discussion with the front office regarding risk mitigation measures to prevent losses
• Maintain a close partnership with Front Office, Legal, IT Operations, Compliance, and other departments to promote customer-centric solutions while ensuring compliance with group-wide risk authorization policies and guidelines
• Collaborate with the legal department and external advisors to obtain and review legal opinions related to Lombard proposals, structures, transitions, and non-standard documentation
• Contributing to the improvement of processes, procedures, and systems to enhance operational efficiency and credit risk management
• Demonstrating appropriate values and behaviors, including, but not limited to, honesty and integrity, diligence and conscientiousness, fair treatment (fair treatment of customers), conflicts of interest, competence and continuous development, appropriate risk management, and compliance with applicable laws and regulations

Requirements

• Strong analytical thinking with an eye for detail and structured problem-solving skills
• Sound Judgment and Initiative
• An enthusiastic collaborator and team player with a positive attitude
• Proactive, practical, and solution-oriented
• Thorough and capable of handling transactions from start to finish
• Effectively prioritizes workload, able to work with minimal supervision and meet deadlines
• A quick learner with the ability to adapt to changes and varying market conditions
• Experience in credit risk management or a related field is a plus
• Intermediate to advanced knowledge of MS Excel, including the ability to expand on this knowledge, e.g., Pivot Tables and VBA
• Business acumen and a "can-do" mindset (not just being good, but being the best)
• Interest and willingness/ability to learn new tools and systems
• Ability to work well under pressure and with tight deadlines