![The Co-operative Bank](https://media.trabajo.org/img/noimg.jpg)
Head of SME Credit Risk
1 month ago
Head of SME Credit Risk
Band B
Manchester / Hybrid
Want to change the world? A career that makes a difference
We're 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 don't 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 we're 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 UK's 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 Bank's SME credit agreements, and ensure alignment to the Bank's 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 Bank's business objectives and meeting customer needs.
- SME arrears management, which align to agreed policy and facilitate the Bank's 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 Bank's 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 '' offers mental health support, physiotherapy, GP's for both you and your family.
- 2 paid days for volunteering per year
- 'MyReward' 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 - 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.
-
Head of SME Credit Risk
1 month ago
Manchester, United Kingdom The Co-operative Bank Full timeHead 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...
-
Ford Credit Commercial Credit Underwriter
3 months ago
Manchester, United Kingdom Ford Motor Company Full timeWe are looking for Credit Underwriters to join our Business Centre team in the centre of Manchester. The underwriters will focus on our growing SME business, providing Commercial Lines of Credit. These Underwriters will draft and present credit proposals, maintaining objective and independent views within the credit process and complying with Credit Policy,...
-
Lead Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeBecome a part of Boohoo Group as a Lead Credit Risk AnalystWe are a diverse collective of 13 brands seeking a proactive professional to enhance our forward-thinking team. If you possess a strong affinity for analytics and a commitment to advancing credit risk management, this role is tailored for you.Key Responsibilities:Development and upkeep of Management...
-
Lead Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeBecome a part of Boohoo Group as a Lead Credit Risk AnalystAs a global collective of 13 brands, we are in search of a proactive individual to join our forward-thinking team. If you possess a strong affinity for analytics and aspire to influence the landscape of credit risk management, this role is tailored for you.Key Responsibilities:Development and upkeep...
-
Lead Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeBecome a part of Boohoo Group as a Lead Credit Risk AnalystWe are a diverse collective of 13 brands seeking a motivated professional to join our forward-thinking team. If you possess a strong affinity for data and a commitment to enhancing credit risk management practices, this role is designed for you.Key Responsibilities:Develop and sustain Management...
-
Lead Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeBecome a part of Boohoo Group as a Lead Credit Risk AnalystAs a prominent player in the global fashion industry, we are seeking a proactive individual to join our forward-thinking team. If you are enthusiastic about data and eager to influence the landscape of credit risk assessment, this role is tailored for you.Key Responsibilities:Develop and sustain...
-
Lead Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeBecome a vital member of Boohoo Group as a Lead Credit Risk AnalystAs a prominent player in the global fashion industry, we are seeking an enthusiastic professional to join our forward-thinking team. If you are driven by data and eager to influence the future of credit risk assessment, this role is tailored for you.Key Responsibilities:Develop and oversee...
-
Credit Risk Analyst
1 month ago
Manchester, United Kingdom N Brown Full timeCredit Risk Analyst Job details Salary Competitive salary and strong benefits LocationManchester Discipline Reference017322 Credit Risk Analyst A bit about the role: This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering....
-
Experienced Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeAbout Boohoo GroupBoohoo Group is seeking a talented Credit Risk Analyst to contribute to our dynamic team. If you possess a strong analytical mindset and a commitment to enhancing credit risk strategies, this position is tailored for you.Key Responsibilities:Develop and oversee Management Information systems to inform financial strategiesExamine trends and...
-
Credit Risk Analyst
4 weeks ago
MANCHESTER, United Kingdom N BROWN Full timeJob Title: Credit Risk AnalystA bit about the role:This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering. This will be achieved through the monitoring of the existing strategy, working alongside the Credit Risk Manager in identifying...
-
Credit Risk Analyst
3 months ago
MANCHESTER, United Kingdom N BROWN Full timeJob Title: Credit Risk Analyst A bit about the role: This role sits within the Credit Risk team, supporting the development of the lending strategy to drive long-term, sustainable profit from our Financial Services offering. This will be achieved through the monitoring of the existing strategy, working alongside the Credit Risk Manager in identifying...
-
Experienced Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeAbout Boohoo GroupBoohoo Group is seeking a proficient Credit Risk Analyst to contribute to our dynamic team. If you possess a strong analytical mindset and are eager to influence the future of credit risk assessment, this position is ideal for you.Key Responsibilities:Develop and sustain Management Information to inform financial strategiesExamine trends...
-
Experienced Credit Risk Analyst
3 weeks ago
Manchester, United Kingdom boohoo group Full timeAbout Boohoo GroupBoohoo Group is in search of a talented Credit Risk Analyst to enhance our dynamic team. If you are driven by data and eager to influence the future of credit risk assessment, this position is tailored for you.Key Responsibilities:Develop and sustain Management Information to inform financial strategiesExamine trends and pinpoint...
-
Senior Credit Risk Analyst
3 months ago
Manchester, United Kingdom boohoo group Full timeIn 2006, we embarked on a journey as one brand with just three team members. Today, we've evolved into a global family of 13 incredible brands, with offices spanning the globe and a team of 6,000+. Our growth is unstoppable, our ambitions are colossal, and our strategy is crystal clear. Are you ready to be at the forefront of the fashion industry's...
-
Credit Risk Team Leader
2 weeks ago
Manchester, United Kingdom Elevation Recruitment Group Full timeElevation Recruitment Group's Transactional Finance division are working with a leading engineering business based in Manchester as they look to recruit a Credit Risk Team Leader to join their team on a 12-month FTC to cover a period of secondment.Salary: c£34,000The Credit Risk Team Leader will be responsible for overseeing a team of 3 within Credit Risk...
-
Head of Finance
4 days ago
Manchester, United Kingdom Hays A&F Full timeYour new company An established owner-managed manufacturing SME with a £15 million turnover is seeking a Head of Finance. This stable SME has a fantastic family-oriented culture. They have an established client base and are well-respected suppliers in their sector. The role reports directly to the MD (Owner of the Business), and the Head of Finance oversees...
-
Credit Risk Team Leader
7 days ago
Manchester, United Kingdom Elevation Recruitment Group Remote Work Freelance Full timeElevation Recruitment Group's Transactional Finance division are working with a leading engineering business based in Manchester as they look to recruit a Credit Risk Team Leader to join their team on a 12-month FTC to cover a period of secondment. Salary: c£34,000The Credit Risk Team Leader will be responsible for overseeing a team of 3 within Credit Risk...
-
Credit Risk Strategy Manager
3 weeks ago
Manchester, United Kingdom NatWest Full timePosition OverviewThe role of a Credit Strategy Risk Manager is pivotal in shaping the credit strategy for NatWest Boxed. You will be responsible for influencing and overseeing the design of new products, account initiation, portfolio oversight, and innovation in arrears management, all while ensuring alignment with strategic policies.Key...
-
Credit Strategy Risk Manager
4 weeks ago
Manchester, United Kingdom NatWest Full timeJoin us as a Credit Strategy Risk Manager We’ll look to you to drive forward our NatWest Boxed credit strategy through the influence and ownership of new product design, account opening, portfolio management, innovation or arrears, covering strategy and policy You’ll be driving the development of embedded personal lending portfolios through NatWest...
-
Credit Strategy Risk Manager
4 weeks ago
Manchester, United Kingdom NatWest Full timeJoin us as a Credit Strategy Risk ManagerWe’ll look to you to drive forward our NatWest Boxed credit strategy through the influence and ownership of new product design, account opening, portfolio management, innovation or arrears, covering strategy and policyYou’ll be driving the development of embedded personal lending portfolios through NatWest...