Sector Lead Wealth Management & Private Banking Credit Analysis (Global Risk & Research)

We are seeking an experienced professional with 9-12 years of experience in Wealth Management (WM) & Private Banking (PB) credit risk management. The ideal candidate must be a postgraduate and possess direct experience in WM PB credit risk management / Lombard lending LTV assignment.

Key Roles & Responsibilities

Portfolio management

• Actively monitor the Private banking portfolio performance across segments booking locations and propose actions to relevant stakeholders and committees as necessary.
• Assignment of standard and non-standard Loan to Values (LTV) across all wealth products (bonds equities structured products managed investments and derivatives).
• Assess and opine on complex structured Private banking transactions in Retail and Private Banking segments.
• Responsibility to uphold the integrity of Private banking risk/return decisions and in particular for ensuring that risks are properly assessed (including product approvals and LTV assessment) and are controlled in accordance with the banks standards and its risk appetite.
• Partner with the business on strategic initiatives in Wealth Management and Private Banking.

Process improvement and compliance

• Continuously improve the operational efficiency and effectiveness of risk management processes.
• Conduct training sessions for new team members and other stakeholders internally.
• Maintain a good understanding of the requirements of key external stakeholders in respect of risk management and ensure these are well understood internally and reflected in internal procedures.
• Ensure that material risk exposures and related issues are reported to the responsible governance committees.

Franchise and business development

• Liaise with top tier large and regional banks with the aim of generating new business in the PB space.
• Liaise with business heads and business development team to identify opportunities and drive market outreach for credit and lending offerings for PB clients.
• Develop an account plan for identified target clients including insights on relevant businesses and their key decision makers.
• Work closely with the members of the sales team on proposals Requests for Proposal and Request for Information responses.
• Take initiatives towards franchise development to demonstrate domain leadership (in white papers point of view notes webinars etc.).

Job Skills & Qualifications

Essential

• MBA/CA/CFA
• 9 years of substantial experience in the financial services industry with understanding of the dynamics of private banking asset classes price movements and volatility assessment.
• Strong understanding of credit related processes and operational risk management
• Strong interpersonal skills and ability to work successfully with multi-cultural teams in diverse locations.
• Regulatory & compliance acumen- Strong working knowledge of privatebanking regulatory frameworks such asKYC/AML CDD EDD bank secrecy act (BSA) and local fairlending rules. Maintain documentation standards for secured and unsecured lending and ensure adherence to internal audit and compliance checklists.
• Communication & stakeholder management - Excellent written and oral communication skills; able to translate complex financial concepts into clear recommendations for clients relationship managers and senior risk officers. Skilled at listening to client needs diagnosing business problems and proposing tailored wealth management solutions.
• Independent high-pressure performance - Proven track record of delivering accurate credit assessments and compliance checks under tight timelines with minimal supervision ensuring timely decision making for high value private banking transactions.

Preferred

• CFA/FRM certification will be considered an advantage.
• Direct experience in Private Banking credit risk management / Lombard lending LTV assignment considered a strong advantage.

Required Skills:

Wealth ManagementPrivate BankingCredit RiskLombard LendingSecurities Backed LendingLTVLoan to ValueLTV Assignment