VP Credit Risk (Tech, Healthcare, Consumer, Retail)

Broadgate are excited to be partnering with an International Bank who are looking for a VP Credit Risk to join during a period of growth:

Key Responsibilities

Portfolio Management

• Actively manage a designated portfolio of corporate clients.
• Conduct due diligence and periodic credit reviews to assess risk exposure.
• Analyze credit risk, determine accurate risk ratings, and provide timely recommendations to management.
• Prepare detailed credit analyses and applications in line with internal policies and regulatory requirements, evaluating industry, business, legal, and financial risks.
• Independently coordinate and communicate key account information across various bank divisions, including business lines, product groups, and credit teams.
• Maintain direct engagement with assigned customers to monitor financial performance and risk profile.

Deal Structuring & Support

• Collaborate with business lines and product groups to evaluate potential transactions.
• Identify structural risks and recommend risk mitigants for new deals.
• Advise account officers on credit risk issues, terms, and conditions to structure optimal transactions that maximize returns while minimizing credit costs.
• Independently liaise with credit division stakeholders, ensuring all relevant financial and risk analyses are provided with minimal oversight.

Policy & Compliance

• Ensure adherence to internal credit policies, procedures, and external regulatory requirements.
• Contribute to ad-hoc policy discussions aimed at enhancing the organization’s credit risk framework.

Mentorship & Development

• Provide training and guidance to junior analysts, supporting their professional growth and technical skill development.
• Lead junior analysts through complex credit assessments and underwriting processes.
• Foster a collaborative environment to enhance analytical capabilities across the team.

Qualifications & Experience

• 7–10 years of experience in financial institutions, with a focus on corporate credit risk analysis.
• 3–5 years of industry-specific experience in Technology, Healthcare, or Consumer Retail, particularly with large and mid-sized corporates.
• Strong expertise in corporate credit analysis, risk management, and financial modeling.
• At least 2 years of experience analyzing investment banking products, including asset-based lending (securitization, leasing), trade finance, and structured finance risks.
• Proven experience underwriting M&A transactions, including merger analysis and valuation.
• Deep understanding of loan documentation, corporate finance structuring, and risk assessment.
• Experience interacting with regulators and addressing regulatory compliance findings.
• Strong organizational and time-management skills.