Job Overview
Business Segment: Business & Commercial Banking
Company: Standard Bank Isle of Man
Location: IM, undefined, Douglas, Circular Road 1
Job Type: Full-time
Job Ref ID: 80445953A-0001
Date Posted: 7/20/2026
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Job Description
To lead the Credit Risk function for the Business and Commercial Banking (BCB) business unit (BU) in country, ensuring effective credit risk management across the entire credit lifecycle. To implement the BU's credit strategy in alignment with country-level credit objectives, risk appetite, and regulatory requirements, while supporting sustainable business growth and maintaining a high-quality credit portfolio.
Qualifications
Education
First Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management
Postgraduate in Degree in Business Commerce, Finance and Accounting, Generic Management or Risk Management (Advantageous)
Experience
This role requires a seasoned leader and expert in Risk management with extensive knowledge of the entire credit lifecycle across a broad set of sectors and products.
Experience with structuring, assessing and managing credit exposures related to structured property transactions and development projects within the Real Estate Finance and the property sector would be advantageous.
Proven ability to manage stressed and distressed clients, with a track record of implementing effective risk mitigation strategies, negotiating restructuring solutions, and safeguarding the bank’s interests, while maintaining client relationships.
Minimum 5 years People Leadership experience at a Senior organisational level, with a focus on talent management, resourcing, development and retention.
Regulatory environment savvy, a proven track record in large scale and high-level leadership and proactively develop and manage relationships with key internal and external stakeholders and external legal counsel, relevant to the business strategy. Ability to build and develop relationships across the bank with various stakeholders, with the intention of breaking down silos to maximise business growth.
8-10 years’ Experience in managing credit origination (both intuitive and automated) and credit operations, with an ability to handle all aspects of client engagement, including coordinating and execution of transactions.
Key Outputs
Lead a team of credit risk professionals to deliver proactive risk identification, robust portfolio management, and regulatory compliance, while fostering a strong proactive risk culture and developing talent through coaching and mentorship of all stakeholders.
Monitor and analyse the external environment (including economic, regulatory, and industry factors) conduct horizon scanning to identify emerging credit risks and support the Business Unit's strategies.
Implement a comprehensive Credit Risk Management framework for the Business Unit, aligned with the organisation's overall risk appetite and strategic objectives.
Conduct regular portfolio reviews to identify trends, concentrations, and potential vulnerabilities, implementing corrective actions as directed.
Tracking and managing key performance indicators (KPIs) including stage 2 and 3 names, the credit loss and other pertinent ratios to ensure optimal portfolio performance, identify emerging risks, and assess the effectiveness of credit risk controls across the entire credit risk lifecycle.
Maintain and implement BU-specific credit policies and procedures, ensuring alignment with country-level standards and regulatory requirements, allowing local adaption for compliance, regulatory, legal and market needs.
Drive the annual credit risk planning process for the Business Unit within a specific country by contributing to the establishment of clear goals, objectives, and performance metrics.
Chair the BCB Credit Committee and at times the Watchlist and NPL committees, consisting of Exco members for approval in a professional manner.
Sponsor and credit applications into higher credit committees and forums
Identify and drive change within Credit and the Business by initiating and owning change projects.
Additional Information
Behavioural Competencies:
Developing Expertise
Challenging Ideas
Convincing People
Developing Strategies
Directing People
Building Relationships
Technical Competencies:
Economic and Regulatory Capital Management
Provision assessment
Evaluating Risk Management Effectiveness
Risk Acceptance, Awareness, Identification and Management
Debt Capacity modelling proficiency
PD/LGD/EAD understanding and application through rating methodologies
Collateral valuation, legal perfection and Security package design
Intercreditor & priority structures
Covenant architecture
Counterparty credibility assessment, including Pre-sale, Lease & tenant analysis
#SBO
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