Senior Credit Manager
2 weeks ago
**The Opportunity**
Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.
We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for wedding and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords withmultiple properties - no two customers are ever the same.
We give our customers the best-of-both worlds; uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to makethings happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.
If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person
Work with us because you:
- Want to be part of a bank built for the dynamics of the modern world
- Relish a challenge and enjoy a fast-paced, innovative, and hardworking culture
- Enjoy finding new and better ways to solve complexity and make things happen
- Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
- Care about society and the environment and want to be part of a business that cares too
- Want to continue to grow professionally and be the best version of yourself
**The Role & Responsibilities**
Underwriting
- Subject to background and experience, participating in the approval process for exposures within individual discretion
Credit Specialism
- Knowledge or expertise in one (or more) of the following disciplines: Property Finance (including Development Finance); Asset Finance; Invoice Finance / Asset Based Lending; Structured Finance
The role holder will also be expected to contribute to the wider team objectives, which will encompass some or all of the following.
Group Credit Risk Management Framework
- Support the continuing evolution, implementation and maintenance of the Bank’s Credit Risk Management Framework
- Contribute to the development and maintenance of the Bank’s Credit Risk Appetite Framework
- Review and input to new product development proposals and the periodic review of existing products
Quality Control & Assurance
Contribute to (where appropriate):
- Review compliance with Group Credit Risk Policies and Asset Class Policies
- Overview underwriting quality and standards
- Report on findings and present to Enterprise Risk Management Committee
Credit Risk Policies
Contribute to (where appropriate):
- Ensuring all the Bank’s credit risk management and governance documents are current, fit for purpose and aligned with the Bank’s Credit Risk Appetite Statement
- Supporting the embedding of Group Credit Policies across the various business divisions and seeking solutions to operational challenges as required
- Providing guidance and support to the 1st Line Risk teams with regard to the evolution, implementation and maintenance of their own Divisional processes, ensuring consistency and compliance with all Group level policies
Shawbrook Risk Committees
- Preparation of papers for Approval, Noting or Discussion at the Bank’s various Executive and Non-Executive Risk Committees as required
- Following up outstanding Action Points from Risk Committees as required
- Providing cover for minute taking at the Bank’s various Executive and Non-Executive Risk Committees
Credit Portfolio Monitoring
Contribute to (where appropriate):
- Analyse, review and comment on Credit Portfolio performance including monitoring of Watch Lists and Impairments
- Monitoring and reporting on compliance with risk appetite and concentration risk limits
- As required by the Chief Risk Officer, Chief Credit Officer or Head of Group Credit Underwriting, participating in one off "Deep Dive" reviews of the potential impact on Divisional Lending portfolios of one-off Credit or macro-economic events
**The Person**
- Experience of commercial banking operations and products - specific experience of SME and Structured Finance and ideally across some or all of ABL, Retail Banking, Consumer Finance, and Property Finance
- Background of operating and managing within a control environment and compliance with operating procedures and risk policies
- Previous Credit Risk and/or internal audit experience
- Preferably educated to Degree Level, and ideally supported by a professional qualification in Banking or Risk Management
- Knowledge of Commercial Banking credit risk policy frameworks or experience in analysing SME proposals and underwriting required
- Exposure to internal audit in a financial services environment helpful
- Knowledge of the current regulatory regime applicable to banking institutions an advantage
- Developing business judgement and willingness to adopt an entrepreneurial view
- The ability to communicate effectively using interpersonal and influencing
- Collaborative with the ability to develop strong working relationships across a diverse and fast-growing organisation
- Conscientious with good attention to detail and accuracy
- Strong commitment to excellence with a focus on quality output
- Ability to prioritise and manage multiple priorities
- Drive, energy, and tenacity
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