Deputy Head of Credit

1 month ago

London, Greater London, United Kingdom Quantum Group Full time
Job Title: Deputy Head of Credit

We are seeking a highly skilled and experienced Deputy Head of Credit to join our team at Quantum Group. This is a key leadership position that requires a strong understanding of credit risk management and a proven track record of success in a similar role.

Job Purpose:

The Deputy Head of Credit will be responsible for ensuring credit quality at the approval stage, monitoring the ongoing credit dynamics of the credit portfolio at a macro and micro level post sanction, and ensuring compliance with Group policy and local regulatory guidelines.

Key Responsibilities:
  • Establish a structured end-to-end independent review process for the Credit Approval Unit
  • Develop key performance metrics for the Credit Approval Unit, relating to risk mitigation, quality, and comprehensiveness of review, and efficient and effective processing of credit proposals
  • Objectively assess credit proposals, identifying key risk issues and researching a reasoned conclusion
  • Approve credit proposals within delegated authority
  • Take ownership of reporting requirements internally and externally in relation to the monitoring of credit facilities
  • Organize and participate in Credit Committee meetings to review and make recommendations relating to proposals
  • Minute credit decisions in CCC meetings, recommend urgent credit requests to CCC members through circulation, and communicate credit decisions to CAD in an efficient and effective way
  • Review credit policies and procedures and update them in line with Group requirements, industry trends, regulatory requirements, improved risk management, and risk mitigation
  • Provide training to Branch credit staff on corporate risk analysis, rating tools, financial analysis, and overall proposal preparation and review
  • Regular capacity review for optimum credit processing, coach other team members on corporate risk analysis, ratings, financial analysis, and overall proposal preparation and review
  • Risk reporting to the Group Risk Management in Zurich
  • Liaison with Credit Administration, Remedial Management, Monitoring Unit, Finance, Compliance, and Audit for processes relating to Credit Approval function
  • Conduct risk management education and training from time to time and review training needs for team members
  • Work with IT to support Credit Risk related IT Projects
Regulatory Responsibilities:

Your responsibilities under the UK Senior Managers Regime pursuant to the rules and guidance promulgated by the FCA and PRA are set out in full in your Statement of Responsibilities, each of which is summarized below:

In addition to the responsibilities summarized above, you are required to comply at all times with the Conduct Rules set out in the FCA Handbook and PRA Rulebook. These are listed below. Rules 1 to 6 apply to you by virtue of your employment with Quantum Group.

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