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Senior Credit Manager

  • Location: UK Wide
  • Salary: £65,000 - £85,000 Base
  • Job type: Permanent
  • Job reference: AB/172356
  • Sector: Banking
Job Description

My client, a small specialist commercial and corporate lender, is looking for an experienced credit manager who can help develop their framework as well as analyse transactions from the business.

The are looking for a candidate with a range of experience, both in credit analysis (commercial real estate, syndications, bi-lateral transactions) and credit risk framework / policy development experience.

The role will also involve managing a small team of analysts.

They are happy for someone to be based permanently from home, so you can be anywhere in the UK as long as you are willing to come to the London office once a month.

 Main function of the job:

  • To implement a Credit Risk Management Framework that meets PRA, FCA and Bank of England requirements.
  • To embed the use of Policy & Procedures (Credit Risk) across all parts of the Bank as part of a 3 LoD model.
  • To managed credit processes supporting origination of property based lending and ongoing management, monitoring, reporting, measurement of a property portfolio.
  • To ensure capital and risk profile is optimised.
  • To ensure Continuous Improvement processes are embedded.
  • To manage a small team of credit risk analysts.
  • To support the CRO (SMF4) including alternate attendance at senior risk committees.
  • To liaise with 1st and 3rd Line of Defence as required.
  • To work with the Credit team in completing loan credit analysis for new and existing loans in line with bank protocols.

 Main Duties:

  • Supervising day to day tasks of a team of Credit Analysts.
  • Responsible for completing loan credit analysis for new and existing loans and ensuring that all documentation is complete.
  • Responsible for conducting financial statement reviews for loan officers, as well as comprehensive statement spreading.
  • Assist in loan review/external audit & credit Administration.
  • Ensure reporting of Portfolio Risk data and risk metrics in a timely and complete manner.
  • Support Training and Development of the credit risk team.
  • Support preparation of ICAAP
  • Prepare and report Stress tests and Scenarios
  • Develop client monitoring criteria covering key risk covenants.
  • Support role out of Climate Change reporting and measurement methodology.

Experience Required:

  • Credit analysis of real estate transactions
  • Knowledge of Credit Risk frameworks and policies
  • Management experience 

 

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