Head of SME Credit Risk

1 month ago

Manchester, United Kingdom The Co-operative Bank Full time

Head of SME Credit Risk

Band B

Manchester / Hybrid

 

Want to change the world? A career that makes a difference

Weâre not a bank that follows the crowd. Instead, we like to stand out for all the right reasons. Our bank is built on co-operative values that stand strong today. A lot has happened in 150 years, we donât just help people with their money, but help people fight for justice and the causes they care about. Our unique customer-led Ethical Policy, has made us a natural leader in environmental and social issues today, and weâre market leaders in ESG as rated by leading ESG ratings agency Sustainalytics*.

 

There has never been a more pressing time for our Bank to focus our efforts on causes that matter to our customers and colleagues. Why not see where you can make a change, and join the UKâs original ethical bank to continue our ambitions to lead the industry on environmental and social issues in 2024 and beyond.

 

This role is hybrid, with an expectation of working from our Manchester head office roughly once per week.

 

The role:

 

As Head of SME Credit Risk, you will lead a proactive, professional and effective SME Credit Risk Management function that oversees the entire credit lifecycle of all the Bankâs SME credit agreements, and ensure alignment to the Bankâs credit risk appetite.

 

Key Accountabilities

 

  • Lead the development of specific strategies in respect of SME Bank Credit decisions, limit setting, pricing and new business initiatives which align to agreed policy; facilitating the Bankâs business objectives and meeting customer needs.
  • SME arrears management, which align to agreed policy and facilitate the Bankâs business objectives.
  • Stakeholder engagement and reporting up to and including Board level on SME Credit Risk strategy, policy and processes.
  • As a member of the Senior Risk Leadership team contribute to the development and implementation of the strategic plan, ensuring that everyone within the SME Credit Risk Function understands and is focused on achieving.
  • Simplify complex processes and practices at a Bank wide level, in order to improve the customer experience and value to the customer.
  • Lead, motivate and develop the team, role modelling and insisting on high standards of people management and communication to ensure an effective working environment, employee commitment and consistently high performance.
  • Lead and role model Credit Risks culture across the Bank, to ensure the Risk Management frameworks are embedded in all aspects of the Bankâs activities.

 

Knowledge, Skills and Experience Required:

 

  • Comprehensive expertise in Credit Risk Management across full range of SME banking products/services.
  • Experience of transactional credit activity, including exercising a delegated authority.
  • Thorough knowledge of credit management systems, models, strategies and policies.
  • Experience of larger lending transactions including the preparation, presentation, and sanctioning of such proposals.
  • Well versed knowledge in financial services industry, including intermediary lending.
  • Extensive knowledge of legal and regulatory requirements/developments as they affect SME Credit Risk management.
  • Ability and resilience to deliver change at pace within a turnaround environment.
  • Experience of leading, coaching and developing expert teams.
  • Skilled communicator able to relate to and build trust with colleagues at all levels across the Bank up to and including Board level.

 

What You Can Expect From Us:

 

  • Flexible and home working options
  • 27 days holiday rising to 30 with service, plus opportunity to buy 5 extra days
  • Competitive pension with up to 10% employer contribution
  • Car allowance and Private Medical Insurance (Senior Manager roles only)
  • Income protection / life assurance
  • Commitment from employers on continued learning & development
  • Wellbeing support âHelp@Handâ offers mental health support, physiotherapy, GPâs for both you and your family.
  • 2 paid days for volunteering per year
  • âMyRewardâ corporate discount for over 800 retailers and Cycle to Work Scheme.
  • Family friendly policies and supportive working environment
  • Colleague network groups committed to inclusion and diversity within our Bank.

We can only consider candidates with the right to work in the UK at this time.

 Our Bank is passionate and committed to continuing to create a diverse workforce and an inclusive environment where all colleagues can fulfil their potential. We welcome applications from talented individuals from all backgrounds and lifestyles who can work with us in maintaining a culture of belonging, where people are valued and respected.   If you require more information or this document in a different format, please contact careers@co-operativebank.co.uk    As a reputable employer regulated by the Financial Conduct Authority, all offers of employment for this role are subject to a series of background checks, including criminal (DBS) and financial checks.   *Rated by Morningstar Sustainalytics in the Regional Banks sub-industry with a score of 8.5 as of 9 October 2023.

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