Senior Credit Manager

2 weeks ago

London Area, United Kingdom Buckden Partners Full time

My client is an established Challenger Bank with a successful Real Estate Finance business.


Responsibilities

  • Lead two credit sanction officer, ensuring the oversight and approval of credit transactions are conducted efficiently and in compliance with the Bank’s Credit Risk Management Framework and Policies
  • Act as a sounding board to the Real Estate Finance business units in respect of transactions in process
  • Operate a personal delegated lending authority in accordance with the Bank’s Credit Risk Management Framework and Credit Risk Policies ensuring compliance and mitigating risk effectively.
  • Prepare and present comprehensive credit risk assessment reports and actionable recommendations to the Transactional Credit Committee and Board Transactional Credit Committee
  • Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis and management to lending teams and 1st Line underwriters.
  • Provide leadership, coaching, and development opportunities to enhance the skills and capabilities of team members, fostering a high-performance culture.
  • Contribute to the ongoing development and review of credit risk policies to maintain a coherent framework for the management and oversight of credit risk, as well as supporting improvements and operational efficiencies to the credit risk framework and sanctioning processes.
  • Assist the Head of Real Estate Credit in the review, monitoring and reporting of credit risk profiles at a counterparty and portfolio level including responsibility for supporting the HoREC in the preparation and presentation of succinct portfolio level risk reports relating to own sector
  • Support the Head of Real Estate Credit in identifying emerging risks early and maintaining a robust problem debt management framework. Cultivate strong, positive, and transparent working relationships with the Bank’s lending business.
  • Implementation of Compliance approved financial crime controls and management of financial crime risks relevant to the department


What you will Bring

  • Significant and recent lending experience in credit risk underwriting and sanctioning roles with an emphasis on Buy to Let, bridging and PBSA finance, and ideally some experience of Development Finance.
  • Proven ability to exercise personal delegated sanctioning authority, ensuring compliance with the Bank’s Credit Risk Management Framework and Policies
  • Extensive knowledge of financial, business, economic, and property markets, coupled with a strong awareness of the regulatory framework, enabling informed decision-making.
  • Strong analytical skills with a good working knowledge of risk grading systems and processes.
  • Experience of credit risk management at a portfolio level preferred, including analysis and development of credit risk management information and the design and development of credit risk policies and frameworks.
  • Preferably educated to degree standard with relevant related professional qualification (e.g. ACIB or similar).
  • A team player willing to go beyond the norm to deliver exemplary standards.


Competencies and Attributes

  • Attention to detail and accuracy
  • Problem solving
  • Proven analytical ability and exercised personal delegated authority
  • Strong insight and ability to distill complex information into clear, concise summaries, facilitating informed decision-making at all levels
  • Planning and organising skills
  • Proven influencing and communication skills
  • Evidence of balanced and independent judgement


Salary: up to £135k

Location: London (hybrid working)

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