Head of Collateral Evaluation

2 weeks ago

Northwood, United Kingdom NatWest Full time

Join us as Head of Collateral Evaluation & Monitoring

  • In this key role, you’ll support delivery of the investment backed lending credit product, to enable our overall sustainable credit growth and profitability targets, including managing the market risk of the collateral portfolio
  • You’ll partner with internal product, journey, and risk teams to provide a market leading Investment Backed Lending (IBL) proposition that delivers good client outcomes
  • Enjoy a great platform to build your leadership profile as you shape a high performing and vibrant team culture

What you'll do

As Head of Collateral Evaluation & Monitoring, you’ll support overall risk management through the identification, assessment, and mitigation of financial market risks. You’ll be accountable for the development of the lending value matrix that defines market risk appetite for IBL, including reviewing suitability and comparison to peers, in agreement with the business and risk partners.

In addition, you’ll own and proactively develop credit risk mitigation methodology, policy and procedures to maximise risk weighted asset benefits of the IBL collateral portfolio, in partnership with the NatWest Regulatory Policy & Advisory Team. We’ll look to you to lead and build Collateral Evaluation & Monitoring into a high performing team by acting as a role model, and developing talent, managing performance, resource management and ensuring that key activities are completed on time and to a high standard.

Day to day, you’ll:

  • Provide insights to assist in defining the bank’s risk appetite and IBL strategy and product suite
  • Identify, assess, and mitigate financial market risks across all segments, IBL products, and legal entities of Coutts to ensure portfolio risk is within guidelines and standards
  • Consider the adequacy and effectiveness of the business’s controls on a regular basis and proactively challenge existing processes and any barriers to achieving the bank’s objectives
  • Provide guidance to the Coverage teams, IBL and Mortgage Specialists, and other stakeholders in respect of individual transactions, especially larger or more complex cases and the assessment of investments being used in connection with HNW mortgage exemptions
  • Prepare and deliver high quality reports and presentations to key stakeholders and more broadly across Coutts if required
  • Own and proactively contribute to appropriate planning for workloads, projects, financial plans and client contact strategy

The skills you'll need

We want you to thrive in this role, so you’ll need knowledge and understanding of the investment backed lending market, ideally from a market risk or credit structuring background and an understanding of offshore jurisdictions will be ideal. You’ll understand financial markets, including key drivers for changes in price and volatility, as well as bring sound knowledge of investment products and collateral analysis.

You’ll also demonstrate:

  • Experience of relevant policies, regulatory obligations and risk management of investment backed lending products
  • Strategic thinking and the ability to simplify complex and conflicting tasks and policy positions, ensuring that these are effectively managed and communicated
  • Experience in developing relationships with the credit function and banker communities locally, regionally and at Group level within a large organisation
  • Experience leading a team
  • Great communication skills and the ability to present your insights in a way that’s knowledgeable and tailored to your audience.
  • Critical thinking skills, enabling you to cut through complexity, and make sound decisions and recommendations that are carefully balanced against risk

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