Lombard Credit Officer

Core Responsibilities

• Manage a portfolio of accounts covering end-to-end processes including monitoring LTV ratios, exceptions handling, and credit documentation checks instructs to minimize credit loss
• Evaluate and underwrite/approve credit applications for Lombard (Credit proposals/Transactions) and Insurance issuance of guarantee, margin trading in foreign exchange, exchange traded and derivatives non-standard loans/overdrafts, OTC within an orderly manner / regularly reviews (daily, weekly and monthly) reports to identify and manage credit loss
• Review/assets portfolio in monthly risk reports, quarterly stress test and ad hoc credit reviews for high risk accounts and escalate for discussions with Front Office on risk mitigation loss
• Maintain a close partnership with Front Office, Legal, IT Ops, Compliance and other functions to facilitate client-centric solutions while ensuring compliance with group risk appetite, credit policies and applicable laws and regulations
• Collaborate with legal and external counsel to engage/review legal opinion relating credit guidelines
• Contribute to the improvement of processes, procedures, and systems to enhance credit risk management efficiency and reduce operational risks

Regulatory Responsibilities &/OR Risk Management

• Demonstration of appropriate values and behaviors including but not limited to honesty and integrity, due care and diligence, fair dealing (treating customers fairly), avoiding conflicts of interest, competence and continuous development, adequate risk management of credit loss if applicable, compliance with applicable laws and regulations

YOUR PROFILE

• Strong analytical mindset with attention to detail and structured problem-solving skills
• Sound judgement and initiative
• Enthusiastic collaborator and team player with a positive attitude
• Proactive, hands-on and solutions oriented
• Meticulous and able to handle transactions from start to finish, manage competing priorities, prioritize workloads, and respond to deadlines