Our client is a successful banking firm based in the City. They offer bespoke and flexible funding solutions to a vast range of clients.
THE RESPONSIBILITIES:
Responsibility for credit and risk management
Member of Development Finance, Structured Finance and Bridging Credit Committees
Provide own view in Committee and input to the Chairman on all proposals and comment on any pertinent issues
To deputise for the Chairman at Credit Committee in the absence of the Head of Credit
To provide objective and independent Credit risk expert advice to the Lending Units
To provide market and portfolio insight at Credit Policy Review Committee
Identify any deteriorating trends apparent in the Banks Lending Portfolios, articulating any concerns to the Deputy Head of Credit/Head of Credit in a timely fashion
Liaison with the Deputy Head of Credit and other Senior Credit Officers to provide cover as and when required
Credit signature to approve initial drawdown of loans at inception/completion
Credit signature to approve drawdowns of works under monitoring surveyor certificates
Authority to release funds for completions etc.
Assisting, as appropriate, the nominated Senior Credit Officer with the management of the recovery of any impaired assets
Provide training to the Lending Teams where necessary
Support the management, development and improvement of processes to optimise Credit risk effectiveness and efficiency, including credit approval processes
Manage efficient and accurate file maintenance and account processing
Production of management information for Senior Management as required and specifically in accordance with Procedures
Contribute towards the preparation of Board papers as required
Attend relevant Seminars to keep abreast of market developments
EXPERIENCE REQUIRED:
Demonstrable experience in a Credit Risk function gained in either a Corporate or Commercial Banking environment
Highly developed knowledge of Credit Risk underwriting and management in relevant sectors/asset classes, particularly the residential and commercial property market
Direct experience of Real Estate Credit Risk underwriting and Credit Risk Management including setting Credit parameters
Experience of reporting and presenting to Senior Management
Experience of underwriting and credit risk management in Asset Finance and Regulated Mortgages advantageous
Sound knowledge of providing lending portfolio analysis
For further information please contact Eleanor Vine
