The Role:
To oversee the growth of both secured and unsecured business lines
Owning the Lending and Credit Policy ensuring any proposed, approved, changes are documented correctly and taken through appropriate Governance.
Reviewing existing lending book and providing recommendations to Credit Committee and EXCO to review and change Credit policies as appropriate to align to economic risk factors and competitive market conditions
Provide ad-hoc analysis on portfolio performance and understand drivers of movements.
Help development the Credit risk function as the bank grows the lending book
Work independently with the head of credit risk
Work with the team to build the bank’s credit risk appetite framework
Experience required
Ideally educated to a degree level or at least 5+ years Credit Risk experience within financial services
Credit Policy experience in writing, maintaining, and implementing new policies and strategies
Worked on new products and new product policy
Knowledge of business banking including commercial mortgages, Invoice financing and SME lending
