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About the Role
Nomura's Risk department plays a crucial role in identifying, assessing, and mitigating risks across our business. We strive to protect the firm's assets, reputation, and financial stability by implementing robust risk management practices. Join our team and contribute to our proactive approach in managing risks, allowing us to make informed decisions and thrive in an ever-changing market environment. Credit Risk Management (CRM), as the second line of defense, is a key function in protecting and making sure that we take prudent risk for Nomura. The group evaluates transactions and approves, declines, or modifies them depending on the credit quality of each counterparty and structure. The department also assigns internal credit ratings, and establishes and manages credit risk limits in accordance with the risk tolerance.
Responsibilities
- Provide strategic direction and oversight for Nomura’s Real Estate Finance Credit Risk team.
- Evaluate counterparties, mortgage and real estate collateral, securitizations and new products/structures.
- Exhibit familiarity with models, effective management ability and excellent communication.
- Work with business partners to structure and negotiate on credit terms for real estate and mortgage warehouse transactions.
- Cover products across both the commercial mortgage and business-purpose residential mortgage sectors.
- Build and maintain strategic relationships with origination and structuring teams.
- Act as the primary intermediary between clients, business units, auditors and department heads.
- Present risk assessments and strategic recommendations to senior management & executive committees.
- Provide clear, impactful communication of risk issues to senior management.
- Partner with global teams across different jurisdictions and time zones.
- Influence key decision makers on risk appetite and portfolio strategy.
- Engage directly with front office deal teams as an independent credit authority on deal structuring, transaction design, and commercial terms across a diverse portfolio.
- Ongoing monitoring of portfolio collateral performance and counterparty financial performance.
- Conduct on-site due diligence with counterparties to determine financial, operational and managerial capabilities.
- Analyze and assign internal credit ratings, evaluate key risks and mitigants across novel transactions, and prepare internal memorandums to document decision rationale.
- Oversee limit framework design, implementation and enforcement.
- Guide development of risk analytics and reporting frameworks.
- Oversee regulatory reporting, including preparation and presentation of key portfolio trends to risk seniors and regulatory reporting teams.
- Track developments in regulatory & industry-specific operating environments including key trends in securitization markets.
- Monitor counterparty credit and changes in external ratings.
- Provide technical guidance and mentoring to junior staff.
- Foster collaboration across risk and control functions.
- Drive performance management and career development.
Requirements
- 12+ years of relevant risk experience
- Deep expertise and strong understanding of mortgage & real estate underwriting
- Proven experience managing stakeholder relationships at senior levels
- Experience managing junior members and helping them build skills and develop talents
- Experience managing through market and credit stress events
- Global mindset and cross-cultural awareness
- Crisis management and problem-solving abilities
Skills
- Comprehensive understanding of credit risk rating methodologies
- Expert knowledge of risk metrics and limit frameworks
- Understanding of securitization structures and markets
- Exceptional ability to communicate complex risk concepts clearly
- Experience presenting to executive committees
- Strong negotiation and conflict resolution capabilities
- Ability to build consensus across diverse stakeholder groups
- Confidence in challenging senior stakeholders constructively
- Clear written & verbal communication for regulatory correspondence
Location
- New York
Work Type
- Full-time
Experience Level
- Executive Director
- 12+ years
Salary/Compensations
- $220,000 - $260,000 /year
Benefits
- Base salary
- Bonus
- Benefits package
- Sign-on bonus
- Restricted stock units
- Discretionary awards
- Full range of medical benefits
- Financial benefits
- 401(k) eligibility
- Various paid time off benefits
- Vacation
- Sick time
- Parental leave
About the Company
- Nomura is a global financial services group with an integrated network spanning approximately 30 countries and regions.
- By connecting markets East & West, Nomura services the needs of individuals, institutions, corporates and governments through its three business divisions: Wealth Management, Investment Management, and Wholesale (Global Markets and Investment Banking).
- Founded in 1925, the firm is built on a tradition of disciplined entrepreneurship, serving clients with creative solutions and considered thought leadership.
- For further information about Nomura, visit www.nomura.com
Equal Opportunity
- Nomura is an Equal Opportunity Employer