Credit Risk Oversight Officer in Cardiff

3 weeks ago


Cardiff, Cardiff, United Kingdom Julian Hodge Bank Full time

Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter? At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on commercial lending, and specialist residential mortgage markets.

This role in Hodge's Risk & Compliance function will involve providing oversight, assurance and challenge to the business on all credit risk matters across Retail and Commercial Lending credit portfolios. The role holder will need to use internal and external data to provide key insights into the lending portfolios' performance and support the design, delivery and continual improvement of effective risk management as the portfolios evolve through the credit cycle. Experience in a similar role or related experience such as underwriting and knowledge of Residential / Buy to Let Mortgage, Motor Finance and Commercial / Development Finance portfolios would be beneficial.

Essential Experience:

  • Experience in a credit risk oversight and / or relatable role e.g. underwriting
  • Strong data analytical skills

Responsibilities:

  • Support the Credit Risk Oversight Manager on delivery of the risk management framework linking credit risk appetite, risk assessments, policies and procedures and ensuring they are integral to business decision making.
  • Provide input to, and support delivery of, the 2nd line annual assurance plan based on a risk-based assessment of key credit areas.
  • Conduct thematic and ad hoc reviews, regular credit sampling and lessons learned reviews into selected areas of credit risk and escalate any recommendations or findings as appropriate.
  • Review and provide input to risk opinions on proposals from the business on credit risk matters, including credit strategy, product development and policy changes.
  • Support the development, preparation and embedding of appropriate Committee MI reporting to enhance monitoring of credit risk across the business and are operating in line with the defined risk appetite and regulatory requirements.
  • Review, perform ad hoc data analysis, and provide insight into key drivers behind portfolio performance, underlying credit quality, and evaluate risk from external economic and market movements.
  • Review and challenge credit related reporting, policies and processes across the full end-to-end credit lifecycle including origination, account management, collections, and recoveries.
  • Support in design and execution of robust risk oversight and challenge to the functions responsible for managing credits risks, making recommendations for improvements in the control environment where necessary.
  • Support the business in the assessment and escalation of credit related issues, breaches, loss, or near-misses should they occur, including whether any proposed measures to address are effective, and monitor through to resolution.
  • Develop and maintain positive and effective working relationships with 1st line colleagues, providing advice, guidance and support on credit risk related activities, and sharing best practice across the organisation.
  • Maintain awareness and profile of risk management developments and contribute to relevant proposals to Committees to improve or enhance the banks risk management framework and best practice.
  • Promote good governance practices across the Bank in line with published standards and guidance.
  • Attendance and presentation to executive level committees when required.
  • Identifying and promoting credit process improvements and standardisation projects across the Bank.
  • Support the team in following up outstanding remediation actions to closure within agree deadlines.


  • Cardiff, Cardiff, United Kingdom Broster Buchanan Ltd Full time

    Credit RiskCommercial MortgageSecured Lending Senior Manager Credit Risk - 2nd Line Cardiff RoleOur Financial Services client has a brand new permanent vacancy for a Senior Manager Credit Risk - 2nd Line to join their expanding team & successfully growing business. The role will assist the Chief Risk Officer in developing and maintaining an effective...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    Cardiff Youth Service offers a range of provisions for young people aged 11-25 and consists of a talented and enthusiastic team of professional youth workers who operate across the city. This set up consists of youth centres, specialist provisions, youth mentoring and street based youth work teams that all provide a wide variety of creative opportunities and...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    Cardiff Councils Support and Accommodation Service provide accommodation, advice and support to vulnerable single people and families in housing need. Our services run 24/7 365 days a year. Due to the Covid19 pandemic, our service has had to make large changes and the successful candidates will contribute to the expansion of the service. About the jobCardiff...


  • Cardiff, Cardiff, United Kingdom Broster Buchanan Ltd Full time

    Commercial LendingCredit RiskSecured Lending Senior Manager Credit Risk - 2nd LineCardiff (Hybrid)Our Financial Services client specialises in Commercial Lending and has a brand new vacancy for a Senior Manager Credit Risk - 2nd Line to join their expanding team. The role will assist the Chief Risk Officer in developing and maintaining an effective...


  • Cardiff, Cardiff, United Kingdom TSR Legal Recruitment Full time

    Office / Practice Manager Cardiff RemoteTSR Legal are proud to be working with a law firm who now have an opening to join their firm as an Office / Practice Manager. This is a pivotal management role at a distinguished family law firm based in the heart of Cardiff. This boutique practice is seeking a dynamic individual to helm their operations as a...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    Cardiff benefits from being the capital city of Wales, offering social workers the opportunity to work with a highly diverse population with a variety of care and support needs. As the largest local authority in Wales we support nearly 5000 individuals to live well, offering them a person-centred support structure to ensure they can meet their own needs and...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    Cardiff is one of the fastest growing and most highly skilled cities in Britain with a Lexcel accredited in house Legal Service. We have a great opportunity for a hardworking, motivated and adaptable legal practitioner to join Cardiff Council's Legal Service, based in County Hall in the heart of Cardiff Bay with good transport links and parking facilities. ...


  • Cardiff, Cardiff, United Kingdom Cardiff Bus Full time

    We have an exciting and rare opportunity for a Finance Manager to join our team at Cardiff Bus. This is a permanent role working 37 hours per week. The role The postholder will provide real time support and analysis to the Senior Leadership Team and Business Managers, and be a trusted advisor, focused on adding value to the business. Reporting to the Finance...


  • Cardiff, Cardiff, United Kingdom Cardiff Metropolitan University Full time

    PDR is a leading global design consultancy and applied research centre based in Cardiff. PDR works across a wide range of industries and this role will focus on Marketing PDR's activities to a wide international audience. The Business Development Officer will work with the Design Specialists and have responsibility for prospecting, qualifying, and generating...


  • Cardiff, Cardiff, United Kingdom Berry Smith LLP Full time

    Closing date: 20th May 2024 Location: Cardiff Office Salary: Competitive, depending on experience Job type: Permanent, full time Job Description Working as part of our Management Services Team you will be a key person in the day-to-day management and operation of the finance function. Controlling and posting finance data and assisting with the production of...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    The Managed Accommodation Service forms part of the Specialist Housing Section and provides High quality, long term affordable accommodation to those that have faced or experienced homelessness. Through multiple locations across Cardiff, site management deliver the following provisions:Dedicated housing management service Repairs and maintenance service...


  • Cardiff, Cardiff, United Kingdom Pertemps Cardiff Full time

    Job Title: Kitchen Showroom AssistantLocation: Cardiff, UKWorking Hours: Monday - Friday 9am to 5pm, plus 1 in 4 Saturdays 9am - 4pm (with a day off in the week)Salary: £23,000 per annumYou will be working for a family-owned company specializing in the supply and installation of Quartz Worktops in Cardiff and the surrounding areas. As part of our small...


  • Cardiff, Cardiff, United Kingdom Cardiff Bus Full time

    Cardiff Bus is seeking an Allocations Administrator to join the Allocations Team to support our operation, on a fixed term basis to support Maternity leave. Reporting to the Lead Allocations Supervisor, you will provide general administrative support to the allocation's supervisors, operations managers and driving staff. This is a fixed term contract to...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    This role currently attracts a market supplement of £3,000 (full time equivalent), reviewed annually. An AMHP salary allowance will be added if applicable. Cardiff benefits from being the capital city of Wales, offering social workers the opportunity to work with a highly diverse population with a variety of care and support needs. As the largest local...

  • HR Advisor in Cardiff

    2 months ago


    Cardiff, Cardiff, United Kingdom Cardiff University Full time

    The College of Biomedical and Life Sciences are looking to appoint a HR Advisor to work as part of a team to deliver and contribute to the provision of a customer-focused, professional Human Resources service. As an HR Advisor you will provide day-to-day generalist advice and support across the full employee life cycle to employees and managers within the...


  • Cardiff, Cardiff, United Kingdom Cardiff Council Full time

    The Money Advice Team is a welfare and benefits team that sees approximately 1500 people a month identifying financial support, grants and discounts and dealing with debt. The Team is expanding due to the demand and the essential need of people visiting the 20+ locations a week that the team are committed to attending. About the job An exciting opportunity...


  • Cardiff, Cardiff, United Kingdom NHS Wales - Cardiff and Vale University Health Board Full time

    An exciting opportunity has arisen for a Senior IT Support Officer to be appointed within IT Support at Cardiff and Vale University health board following an ITIL framework. You will possess a significant amount of experience of providing service desk support to IT users across a mixed Windows environment within a large organisation (preferably the NHS)...


  • Cardiff, Cardiff, United Kingdom Children in Wales Full time

    Contract: Permanent Hours of Work: 28 hours per week Salary Scale: £34,000 per annum (Pro rata) Annual Leave: 25 days per annum (Pro rata) Method of Pay: Salaries are paid directly into staff member's nominated bank account on the 15th of each month Pension: Children in Wales' employees are automatically enrolled to the Workplace Pension Scheme, but you may...


  • Cardiff, Cardiff, United Kingdom Learna Ltd. Full time

    About Learna: From our Head Office in Cardiff, Learna is an established leader in flexible, online postgraduate qualification programs for healthcare professionals across the world from post-graduates through to specialists, doctors, surgeons and consultants. We currently have a portfolio of over 40 specialised courses aligned with medical industry...


  • Cardiff, Cardiff, United Kingdom Cardiff Metropolitan University Full time

    Located in an exciting, modern European capital city, Cardiff Metropolitan University is a global university. We are continually investing in our students' future and provide education and training opportunities that are accessible, flexible and of the highest quality. The university has been integral to the City of Cardiff since 1865 and we pride ourselves...