Senior Credit Portfolio Manager

• Lead risk oversight of the credit portfolio including concentration management, loss provisioning, and credit growth strategy. 
• Oversee the management of problem credits, identifying early signs of deterioration and implementing strategies for remediation to minimise losses. 
• Manage provision adequacy assessments for both credit assets and contingent liability exposures ensuring adherence to applicable accounting standards (i.e. IFRS).
• Collaborate with lines of business and central functions to ensure that the Bank’s contingent liability is correctly estimated, monitored, and reported internally and externally. 
• Maintain dedicated oversight of the Bank’s airline portfolio, including exercising delegated credit approval authority for airline relationships. 
• Work with lines of business to advise on portfolio composition strategies, risk mitigation techniques, and structure of new credit transactions.
• Deputise for the Chief Credit Officer, as required, representing the Credit Risk Management function at internal or external meetings and presenting credit risk updates at senior management fora. 
• Leverage market intelligence to monitor economic, geopolitical, and industry trends that impact risk in the portfolio and generate proposals to re-balance risk. 
• Work with other members of the Credit Risk Management team to analyse credit risk metrics and indicators, providing insightful reporting and recommendations to senior management to support informed decision-making.

Qualifications/Skills:

• Bachelor's degree in Finance, Economics, Business, or a related field.
• Extensive experience (12+ years) in credit risk management within a financial institution, preferably in a portfolio management role.
• Experience managing loss provisioning processes (i.e. IFRS9) and implementing associated governance standards.
• Excellent written, presentation, and communication skills with the ability to articulate key messages in a concise manner.
• Analytical and problem-solving skills to interpret data/trends and draw actionable insights.
• Expert understanding of credit risk, methodologies, and regulatory requirements (e.g. Basel, CRR).
• Ability to lead and motivate a team, fostering a culture of accountability, innovation, and continuous improvement.
• Familiarity with financial analysis, or a professional certification such as FRM, CFA, ACA/ACCA or similar are desirable.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

This role has been identified as a Controlled Function CF2 under the Central Bank of Ireland’s Individual Accountability Framework Act 2023. 

Accordingly, US Bank DAC must be satisfied on reasonable grounds that the role holder complies at all times with the fitness and probity/propriety standards. Applicants agree to permit US Bank (or its agents) to conduct such due diligence as it deems necessary to satisfy itself on reasonable grounds that you comply with the Fitness and Probity/Propriety Standards and that you will provide US Bank with all information and/or documentation relating to your qualifications, experience, employment history, financial soundness and other interests that US Bank requests for that purpose.