Trade and Structured Working Capital Credit Risk – EMEA Associate

As an Associate in Trade and Structured Working Capital Credit Risk Europe Middle East and Africa you will provide independent credit judgment and constructive challenge on trade and working capital financing transactions. You will partner with product and coverage teams to help deliver well-structured solutions for clients while maintaining a strong risk culture. You will spend most of your time on transaction reviews credit analysis structuring discussions documentation assessment and ongoing portfolio monitoring. You will also contribute to product evolution and to the policies and controls that support safe growth.

Job responsibilities

• Evaluatenew originations renewals and amendments including structure borrower and counterparty risk collateral repayment sources and key risk mitigants
• Analyzecredit risk using financial transaction and portfolio information to form clear independent recommendations
• Partnerwith product and coverage teams to shape structures and risk mitigants for transactions in the pipeline
• Reviewdocumentation andidentifygaps non-standard terms and emerging risks;recommendappropriate protections
• Decideon risk positions for variations from standard documentation product policy or guidelines escalating as needed
• Monitorexposures across trade and working capital products andstrengthenmonitoring frameworks as the portfolio evolves
• Developportfolio analytics and data-driven insights to improve monitoring reporting and risk assessment efficiency
• Collaboratewith credit risk management legal trade management and other stakeholders to ensure risk views are reflected in execution
• Supportnew product structures policy exceptions and control design to enable responsible growth
• Documentanalyses rationales and monitoring outputs to maintain strong governance and auditability
• Delivertraining to internal partners on trade products and the risks and mitigants that matter most

Required qualifications capabilities and skills

• Relevant experience in credit risk trade risk structured finance or a closely related role
• Demonstratestrong credit underwriting and analytical skills including ability to assess complex transaction structures
• Showexperience with or a strong interest in structured working capital finance export agency-backed financing or other trade finance products
• Operateeffectively in a time-sensitive environment while managing multiple priorities
• Applysound judgment to assess collateral repayment sources documentation terms and risk mitigants
• Communicateclearly and confidently with stakeholders at different levels of the organization
• Influenceoutcomes through constructive challenge and solutions-oriented collaboration
• Workindependently with a proactive self-starting approach while partnering well across teams
• Analyzeportfolio data to identify key trends and emerging risks
• Usetechnology-enabled tools to support monitoring reporting and decision-making
• Interpretandnegotiatelegal documentation relevant to trade and working capital transactions

Preferred qualifications capabilities and skills

• Bringexperience supporting trade and working capital credit risk across Europe Middle East and Africa
• Havehands-on experience with supply chain finance trade loans and letters of credit
• Demonstratestrong structuring capability on complex multi-party transactions and related risk mitigants
• Buildscalable monitoring approaches (for example early-warning indicators concentration views and counterparty watchlists)
• Usedata analytics tooling to automate or streamline portfolio reporting and risk insights
• Contributeto product governance through policy drafting control design and exception management
• Presentandtraineffectively translating technical risk topics into practical guidance for business partners