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Responsible for managing the credit risk relating to American and European non-bank financial institutions (NBFIs) including insurance companies, brokers, funds, finance companies, etc.
Maintaining credit quality in line with business strategies and risk appetite
Support the advocacy for a strong "risk culture"
Reports to the Head of FIG (Financial Institutions Group) Credit, Europe and America
About The Role Role Location: 277 Park Avenue, 31/F, New York Role Type: Permanent, Full-time
As Senior Manager for FIG Credit, you will work with Risk teams, Product Specialists, and Relationship Managers to manage and control the credit risk exposures associated with our NBFI portfolio in the Americas and Europe maintaining credit quality and ensuring alignment with business strategies and risk appetites. You will also support senior CAD (Credit Approval Discretion) holders in coaching and in training R&A (Research & Analysis) and FIG Credit team members in credit analysis and deal structuring. You will support the advocacy for a strong "risk culture" and, in conjunction with Senior Risk & Relationship team members, assist in the refinement of risk appetite and strategy in Europe and America.
Your key accountabilities will include:
Managing the credit risk associated with our NBFI portfolio in the Americas and Europe working in close collaboration with R&A, Relationship Managers, Product Managers, Legal, Compliance, and Middle Office teams across the Europe and America FIG
Reviewing, analysing and approving transactions and customers, and setting risk related contractual requirements in loan and derivative agreements.
Ensuring effective alignment between business strategies and risk appetite
Ensuring the portfolio is managed within agreed risk frameworks
Enhancing the effectiveness of governance and compliance
Influencing business leaders, peers, and other lending staff with regard to credit operations and through effective leadership, management, and teamwork
Elevating the quality and frequency of engagement with business partners to drive a more proactive first line of defence
Identifying areas where processes and procedures can be improved to help deliver sustainable efficiencies in global Risk costs whilst maintaining a robust risk management framework and controls
About You To be successful in this role, you will ideally bring the following -
Extensive experience in credit (preferably as credit approver or a credit analyst) with specific expertise in the NBFI sector, in particular insurance companies
Demonstrated knowledge and leadership experience
Deep understanding of risk management strategies, proven ability to take responsibility for executing high quality deliverables according to strict timetables and be able to operate autonomously
Firm understanding of loan and markets products (e.g. FX and interest rate derivatives, and repo) and associated trading agreements (e.g. ISDA/CSA, MRA/GMRA, etc.).
Excellent communication and influencing skills
Expertise in risk management and control processes appropriate to a financial services environment
Knowledge of analysis and modelling techniques used in counterparty credit risk and transaction analysis
Experience in approving structured credit and financing transactions
University degree (risk management, accounting, finance, business administration, MBA or equivalent)
About ANZ At ANZ, everything we do boils down to 'why' – our purpose – to shape a world where people and communities thrive. We're just as focused on seeing our people thrive as well as our customers. We'll give you every opportunity to develop your career.
We are responding faster to changing customer requirements, focusing on the things that matter the most, energising our people, eliminating waste and reducing bureaucracy.
A happy workplace is a thriving one. So in order to attract and keep the best talent, and say thanks for the hard work, we make sure all our employees are rewarded. At ANZ we aim to create an inclusive environment where employee differences such as gender, age, culture, disability, sexual orientation, family and caring responsibilities and religion are valued.
ANZ recognises the value of an inclusive and diverse work environment. We take pride in the diversity of our people and encourage applications from diverse candidates. Our recruitment decisions are based on the key inherent needs and requirements of each role, and candidates are selected based on their unique strengths and characteristics.
We work flexibly at ANZ. Talk to us and let us know how this role can be flexible for you.
To find out more about working at ANZ or to view other opportunities visit www.anz.com/careers. You may apply for this role by visiting ANZ Careers and search for reference number UNI000636.
This role is based in New York, USA. The salary package on offer is competitive.