Working with us

The Senior Credit Risk Manager will assist the Head of Credit to manage the Credit Risk Sanctioning function in line with the Bank’s risk appetite and the expectations of the PRA/FCA Certification Regime.

In this role, you will consider and provide feedback and recommendations on lending proposals in accordance with the Bank’s Credit Policy and sanction / review such proposals within the role’s delegated authority. In addition, you will deputise, as required, for the Head of Credit, including as an alternate at Credit Committee in relation to credit proposal decisions.

This role is suitable for a person with significant experience in a senior underwriting role covering personal and non-personal lending. You should have proven analytical skills and ability to interpret financial accounts to exercise sound and pragmatic judgment when assessing credit proposals.

Some of your main responsibilities and duties will be to:

• Provide support to the Head of Credit in all relevant aspects of Credit Risk Management, and to the day-to-day sanctioning activities within the Credit Risk Team.
• Analyse the credit risks associated with lending proposals and the proposed mitigants, and, where appropriate, sanction proposals within your Delegated Sanction Authority (DSA), and in accordance with the Bank’s Credit Policy and Lending Guide.
• Authorise referrals on ‘non-standard’ aspects of proposals within your DSA.
• Understand, consider and apply an assessment of the risks associated with Climate Change in the use of your DSA.
• Keep up to date with credit risk regulatory requirements and maintain a detailed knowledge of the Bank’s lending products and their inherent credit risks.
• As a subject matter expert, provide in-depth credit risk technical guidance as required to the Head of Credit, the Chief Risk Officer, the EMC, the Board Risk Committee, and other colleagues, as required.
• Recommend to either approve or decline those proposals outwith your DSA to the Head of Credit, or via the Head of Credit to the Credit Committee and (as appropriate) to the Board Risk Committee.
• Feedback to Head of Credit on quality of credit proposals from Banking Directors, identifying any potential knowledge or training gaps.
• Work with colleagues in Credit Risk (and the wider Risk) Team to continuously improve processes and procedures, all within the correct change management/governance framework.
• Coach/Mentor colleagues (the Credit Risk Team and Banking Directors) as appropriate.
• Participate/Lead (from time-to-time) in training sessions designed to develop colleagues across the Bank in Credit Risk matters, including the mentoring of colleagues to help them succeed.
• Participate (from time-to-time) in working groups, either within the Credit Risk Team or across the Bank to contribute to the Bank’s success.
• Ensure risk events such as breaches and operational losses are escalated and reported in accordance with policy.
• Build and maintain constructive and effective relationships across the business in line with the Bank’s culture and behaviours.
• Provide input to discussions with Head of Credit and SCRM Portfolio Management as appropriate, in situations where the Bank’s assets may be at risk.
• Provide input to discussions with Head of Credit and SCRM Portfolio Management in relation to clients in financial difficulty.
• Provide input to discussions with the Head of Credit and SCRM Portfolio Management on provisions on accounts which are in default and any write-offs. Deputise as an alternate member of the Credit Committee in the Head of Credit’s absence, in relation to credit proposal decisions.
• Instil a culture of on-going improvement, development, and sustainability in all aspects of credit risk management.
• You may be required to carry out additional duties from time to time which you and the Company agree are reasonable, having regard to your position.