Senior Credit Risk Manager

3 weeks ago

Coventry, United Kingdom Coventry Building Society Full time

About The Role
We have an exciting opportunity to join the UK’s 2nd largest Building Society, as Senior Manager - Retail Credit Risk Oversight.
This role sits within the Financial and Enterprise Risk function, which reports directly to the Chief Risk Officer. This role reports to the Head of Financial and Enterprise Risk and is a technical role with line management responsibility.
The 2nd line of defence are a trusted advisor and critical friend to the 1st line of defence. Our key purpose is to support the business to make effective and sustainable risk-based decisions, underpinned by robust controls and governance.
You will lead independent 2nd line oversight of the Society’s Retail Credit Risk exposures and related activities and present recommendations and feedback to Senior Management and/or Executives as appropriate.
Key responsibilities include supporting the following:

- independent oversight, challenge and review of the Society’s Retail Credit limits, Board Risk Appetite and Early Warning Indicators (EWIs)
- ongoing assessment of credit portfolio performance, including portfolio dynamics and risk performance
- undertake detailed credit reviews of new retail lending products
- review, write and present papers for relevant committees including Retail Credit Risk Committee (RCRC) and Expected Credit Loss Group (ECLG)
- perform independent quality assurance (QA) testing of 1st lines compliance with the Retail Credit Policy and related procedures across the credit risk value chain, and where appropriate, provide feedback to the first line on the ongoing suitability of creditpolicy.
- review the Society’s lending and retail credit strategy, including via participation in the annual strategic financial planning cycle
- independent oversight of the Society’s provisioning, IFRS9 staging and related post-model adjustments (PMAs)
- developing independent portfolio analytics and Management Information (MI) to understand and assess the retail credit risk profile of the Society
- undertake targeted thematic reviews as appropriate across all stages of the retail credit lifecycle
- work with the other members of the Financial and Enterprise Risk team to review the Society’s retail credit risk models and ensure portfolio behaviour is understood at senior levels within the Society via briefing and education session
You’ll develop effective working relationships with key stakeholders across the Society including within Product, Risk, Finance and Treasury and work in a co-operative and constructively challenging manner, to promote best in class approaches to the managementof the Society’s credit risk exposures.
About You
Educated to degree level (or higher) most likely via a numerate discipline (e.g. Economics, Finance, Mathematics), or demonstrable equivalent skills through experience.
You’ll have prior exposure to dealing with retail credit risk issues at a Bank/Building Society, Regulatory or Professional Services firm and have some knowledge of mortgage products. You will have prior experience of writing, reviewing or advising upon creditpolicy and limits. You will have had prior exposure to reviewing or developing Early Warning Indicators (EWIs) and Management Information (MI) in order to assess the portfolio performance for a mortgage portfolio. Familiarity with IRFS9 and Internal RatingsBased (IRB) models would be an advantage but is not a necessity. Strong analytical skills will be required in this role. An understanding of the regulatory regime and relevant related expectations is also required.
You’ll need to be able to explain complex technical matters in a concise and easily understood format to non-specialists and be confident in presenting your ideas, recommendations, and findings to senior audiences.
You’ll have a track record of being able to influence stakeholders and have good report writing and analytical skills. You will also be able to work under pressure to meet short timescales as required.
You will be a people-focused leader, with experience of managing technical individuals and driving strong performance.
We recognise the importance of helping you to balance your working life with other priorities therefore we operate a hybrid working pattern.

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