Standard Chartered
Securitization Senior Credit Officer, Specialized Finance Risk
Standard Chartered, New York, New York, us, 10261
Securitization Senior Credit Officer, Specialized Finance Risk
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Key Responsibilities
Managing credit risk within the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”).
Early‑stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.
Influence structuring for best‑in‑class underwriting and to achieve successful and timely transaction execution and syndication.
Champion business initiatives which promote revenue growth whilst protecting against downside risk by identifying short‑ to medium‑term risks.
Credit approve 1LoD prepared credit applications and rating assessments using subject‑matter expertise and manage a portfolio of unique counterparties with early‑stage detection of credit deterioration (Early Alert Ratings), which includes stress testing.
Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners.
Ensure 1LoD and 2LoD owners understand and accept their risk‑management responsibilities, where risks are managed and risk‑return trade‑offs are made, in line with Credit Risk frameworks.
Proactively lead internal initiatives related to governance, regulatory, policy, or risk‑driven reporting.
Ensure a robust effectiveness review process to Credit Risk and elevate significant matters and / or gaps in implementation to senior management and relevant committees.
Monitor compliance of approved risk appetite using risk information reporting and highlight significant matters to senior management and senior risk committees.
Maintain and influence a culture of good conduct in the Risk function and embed the Corporate Risk culture statement.
Represent SF Risk in business meetings, client due diligence and conferences, seminars, and partner with Risk peers for risk‑wide initiatives.
Lead people and teamwork in a cross‑cultural environment, working closely with professionals from various geographies and nationalities.
Maintain awareness and understanding of the regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
Qualifications
University degree.
Experience
+10 years relevant experience in asset‑backed financing / securitisation and or Private Credit / Middle Market / Leveraged Finance in the US markets.
Experience in warehouse, asset‑based finance and traded asset‑backed securities across geographies and asset types (ABS, CLO, RMBS, CMBS, ABL, ABF) preferred.
Experience gained from an investment bank or a specialised / structured finance group of a major international organisation.
Pay & Benefits Expected annual base pay range for the role is 234,230 USD to 325,320 USD.
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, 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 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.
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.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Banking
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Get AI-powered advice on this job and more exclusive features.
Key Responsibilities
Managing credit risk within the second line of defence (“2LoD”) within the Specialised Finance (“SF”) Risk for Corporate and Investment Bank (“CIB”).
Early‑stage deal screening, detailed due diligence, and timely execution of transactions with credit memo analysis and independently written Risk recommendations.
Influence structuring for best‑in‑class underwriting and to achieve successful and timely transaction execution and syndication.
Champion business initiatives which promote revenue growth whilst protecting against downside risk by identifying short‑ to medium‑term risks.
Credit approve 1LoD prepared credit applications and rating assessments using subject‑matter expertise and manage a portfolio of unique counterparties with early‑stage detection of credit deterioration (Early Alert Ratings), which includes stress testing.
Prepare and present periodic portfolio monitoring reviews with senior 1LoD stakeholders and senior 2LoD Risk partners.
Ensure 1LoD and 2LoD owners understand and accept their risk‑management responsibilities, where risks are managed and risk‑return trade‑offs are made, in line with Credit Risk frameworks.
Proactively lead internal initiatives related to governance, regulatory, policy, or risk‑driven reporting.
Ensure a robust effectiveness review process to Credit Risk and elevate significant matters and / or gaps in implementation to senior management and relevant committees.
Monitor compliance of approved risk appetite using risk information reporting and highlight significant matters to senior management and senior risk committees.
Maintain and influence a culture of good conduct in the Risk function and embed the Corporate Risk culture statement.
Represent SF Risk in business meetings, client due diligence and conferences, seminars, and partner with Risk peers for risk‑wide initiatives.
Lead people and teamwork in a cross‑cultural environment, working closely with professionals from various geographies and nationalities.
Maintain awareness and understanding of the regulatory framework in which the bank operates, and the regulatory requirements and expectations relevant to the role.
Qualifications
University degree.
Experience
+10 years relevant experience in asset‑backed financing / securitisation and or Private Credit / Middle Market / Leveraged Finance in the US markets.
Experience in warehouse, asset‑based finance and traded asset‑backed securities across geographies and asset types (ABS, CLO, RMBS, CMBS, ABL, ABF) preferred.
Experience gained from an investment bank or a specialised / structured finance group of a major international organisation.
Pay & Benefits Expected annual base pay range for the role is 234,230 USD to 325,320 USD.
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, 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 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.
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.
Seniority level Mid‑Senior level
Employment type Full‑time
Job function Finance and Sales
Industries Banking
#J-18808-Ljbffr