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VTB Capital's goal is to be Russia's Investment Banking powerhouse. We want to be the firm that is a natural choice for all Russian Investment banking and asset management products. A choice our clients around the world make routinely and with confidence.
Our mission is to exceed client expectations by providing first class financial services. To create value for the benefit of our clients and for economic and social progress globally.
The role's primarily responsibility is to provide pre-approval credit risk review of new corporate derivative counterparties as well as financial models and valuations for lending transactions with corporates. In addition the role will encompass post execution credit monitoring.
Given the relative size of the credit risk team, it is envisaged that the successful candidate would also provide ad hoc support and coverage to other credit risk areas as the need arises.
The credit risk team is located in both Moscow and London and the successful candidate will be self-motivated, capable of working to tight transaction deadlines unsupervised.
To provide forensic and critical analysis based on financial statements, model forecasts, third party valuations and due diligence meetings with our counterparties.
Identify and quantify risk drivers including the creation of stress tests in transaction structures.
Prepare credit memoranda advising risk mitigation options and making risk appetite recommendations.
Follow up on transaction execution. Ensure loans/trades are properly booked / recorded / monitored, credit terms are incorporated in termsheets / confirmations and underlying documentation properly developed
Maintain a portfolio of counterparties and monitor limits and exposures of the various credit systems, ensuring that any limit violations are resolved
Risk portfolio under management will require close oversight, ensuring daily exposure to all types of loan-type products, liaison with sales and traders functions; as well as extensive interaction with all support functions of the Bank including Operations, Legal, Compliance and Loan Portfolio Management
Support the rest of the credit risk team with other transaction requests and periodic reviews.
Quality of credit analysis and decisions
Timeliness and efficiency of work performed
Comments and feedback from colleagues
Key Competencies & Qualifications
ACA/ CFA or equivalent
1-3 years PQE
Bachelor's Degree or relevant equivalent working experience in Corporate Finance or Risk Management roles.
Ability to recognize not just transaction-associated risks as well as current grasp and enforcement of risk policies, but also awareness of legal, compliance and reputational aspects of all transactions
The candidate will demonstrate ability to operate in a fast moving dynamic organization, whilst maintaining balance between the business expansion requirements and prudent risk management
Demonstrable business and sector awareness and a keen appreciation of market and industry developments
Independent decision maker with ability to support and defend conclusions
Strong credit risk skills and knowledge of financial products would be desirable
Perfect fluency in oral and written English. Russian, whilst beneficial, is not essential.
Typical Decisions taken by Job Holder
Independent assessment of an Obligor's credit worthiness and credit limit recommendation
Independent assessment of credit risks embedded in individual transaction, structures and portfolios
Proposal and enforcement of risk mitigating solutions
Early warning signs monitoring, building broad relationships with counterparties, and being pro-active in risk management in general
Close oversight of the regional loan portfolio oversight and if necessary calculation and recommendation of provisions