Manager, Credit Risk New York

About the role

The IB&M Credit Risk Americas Team in New York is responsible for risk management and oversight of credit exposures within IB&M in the Energy, Commodities & Sustainability (ECS), Diversified Industries (DI), Financial and Strategic Investors (FSI), and Financial Institutions and Government (FIG) business units. The open Manager Role will be focused on Energy, Commodities & Sustainability and general corporate portfolios and report to the Senior Manager.

Responsibilities

• Conduct detailed credit analysis and prepare high-quality credit recommendations for complex project finance and corporate lending transactions, including syndicated and bilateral facilities.
• Assess financial, commercial, legal and structural risks by analysing borrower creditworthiness, cash flow forecasts, security structures, and recovery outcomes.
• Partner with Relationship Managers and Product teams to develop robust credit proposals, including financial modelling, scenario analysis and stress testing.
• Monitor an assigned portfolio through interim and annual reviews, assessing covenant compliance, industry trends, portfolio performance and emerging risks.
• Provide independent challenge to business stakeholders, ensuring transactions align with the Bank's risk appetite, credit policies and regulatory requirements.
• Build strong relationships with internal stakeholders across Risk, Front Office, Product, Legal and global teams to support informed and timely credit decisions.
• Contribute to the continuous improvement of credit risk frameworks, analytical methodologies, policies and reporting processes.
• Evaluate transactions across a diverse portfolio, with a strong focus on renewable energy and infrastructure, alongside multinational corporate clients across multiple sectors.

Requirements

• 7+ years experience in credit risk within an institutional banking environment in the US, with expertise in project finance, corporate lending and complex transaction structures.
• Strong understanding of non-recourse and limited recourse project finance, with experience assessing Probability of Default (PD) and Loss Given Default (LGD).
• Exposure to renewable energy, infrastructure or natural resources financing is highly regarded.
• Excellent analytical and critical thinking skills, with the ability to interpret financial models, identify key risks and provide constructive challenge to stakeholders.
• Strong knowledge of U.S. financial accounting, credit documentation and regulatory frameworks, with the ability to assess technical, legal and engineering reports.
• Effective communicator with strong stakeholder management skills, able to build relationships across global teams and work collaboratively across time zones (Australia and Europe).
• Self-motivated, detail-oriented and adaptable, with the ability to manage multiple priorities in a fast-paced environment and a commitment to continuous learning.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics or a related discipline preferred.
• Formal credit training and existing credit approval authority at a financial institution are highly advantageous.

Skills

• Project finance
• Corporate lending
• Complex transaction structures
• Renewable energy
• Infrastructure
• Natural resources financing
• Financial modeling
• Scenario analysis
• Stress testing
• U.S. financial accounting
• Credit documentation
• Regulatory frameworks

Benefits

• Salary range: $150,000 to $200,000 + variable bonus.
• The salary may vary based upon several factors including, but not limited to, relevant skills/experience, time in role, base salary of internal peers, prior performance, business line, and geographic/office location.

Pay

• Salary range: $150,000 to $200,000 + variable bonus.

Schedule

• Not specified.