Head of Credit Risk Management

1 day ago

London, Greater London, United Kingdom Crown Agents Bank Full time
Job Title: Head of Underwriting

Crown Agents Bank is seeking a highly skilled and experienced Head of Underwriting to lead our specialist team responsible for collaborating with front-office to undertake initial credit risk assessment and structuring of new business opportunities and owning second line in-life credit risk management.

Key Responsibilities:
  • Proactively collaborate with the business to prioritise and manage the pipeline of new opportunities and in-life activity (incl. increase, renewals, heightened monitoring) in support of delivering the business strategy within board approved risk appetite.
  • Regularly review and implement enhancements to credit policy, processes, and procedures to improve credit assessment and decision-making cycle time.
  • Ensure that credit analysis and recommendations are delivered to a consistently high standard in support of the credit decisioning process.
  • Coordinate the timely preparation of credit committee agenda, circulation of packs, preparation of minutes, and the follow-up of actions.
  • Ongoing monitoring of market, regulatory, macro-economic, and political developments to ensure credit-related assessments reflect current and emerging information.
  • Provide strategic, subject matter expertise, to the Head of Credit Risk Management regarding the portfolio and individual credit characteristics. This includes providing input into the credit risk policy and risk appetite setting.
  • Participation in client meetings/calls/visits and transaction/client-related discussions as required.
  • Regularly review the portfolio credit characteristics, including the building of new reports and analyses to assist in the early identification of potential thematic or individual issues for remediation.
  • Participate in Credit projects and initiatives, including audit-related activities, as well as other duties as assigned by the Head of Credit Risk Management.
  • Supervise and develop the credit analysis team to ensure the delivery of consistent, high-quality credit analysis to the organisation.
  • Develop and maintain strong working relationships with relevant stakeholders across the organisation.
  • Work with the Head of Credit Risk Management to determine the optimal provision of credit and market data in support of credit risk management.
Requirements:
  • Degree or equivalent in a commercial/numerical subject and/or relevant professional qualification.
  • At least 7 years demonstrable credit analysis experience and a broad knowledge of FIs, Sovereigns, Corporates, IDOs, and NBFI credit risk within the financial services industry, ideally in an emerging/frontier market context.
  • Good understanding of the IFRS9 impairment process. Financial modelling skills would be desirable.
  • Working knowledge of banking products from a credit risk perspective, including global markets Treasury/FX products and trade finance.
  • Strong technical credit analysis and research skills (including financial statements analysis, sector research, peer analysis).
  • Ability to formulate and deliver on forecast work plans, adapting and prioritising outputs to short deadlines where required.
  • Excellent written and verbal communication skills, and high accuracy and attention to detail. Ability to communicate with impact, ensuring complex information is articulated in a simple and meaningful way to a wide and varied audience.
  • Advanced level knowledge of Microsoft Excel, Word, and PowerPoint.
  • French/Portuguese/Spanish language skills with the ability to read and interpret financial information and documents prepared in these languages is desirable.
What We Offer:
  • Hybrid working
  • Contributory personal pension plan: - Minimum: Employee 2% and Employer 7%. Employer matches contributions in 1% increments to a maximum of: Employee 5% and Employer 10%
  • Life Assurance – 4 times annual salary
  • Group Income Protection
  • Private Medical Insurance – this may include cover for partner and/or children at company cost. Cover includes Optical, Dental, and Audiology
  • Discretionary Bonus
  • Competitive Annual Leave
  • 2 Volunteering Days
  • Benefit Hut

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