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Senior Credit Risk Manager

2 months ago

Cheadle, Staffordshire, United Kingdom MERJE Full time
Job Description

Job Title: Senior Credit Risk Manager - Mortgage Lending

Job Summary:

We are seeking an experienced Senior Credit Risk Manager to join our team at MERJE. As a Senior Credit Risk Manager, you will be responsible for the second-line management of credit risk for our business. You will lead a team of two and develop credit risk policies and related standards.

Key Responsibilities:

  • Develop credit risk policies and related standards
  • Provide oversight and assurance to the Executive and Board that credit risk is being managed within risk appetite
  • Work with the Head of Credit Risk to develop credit strategies based on credit scores and cost of risk
  • Integrate new data sources as they are developed
  • Work closely with the Manager Credit Risk and first-line team to compare lending approach to peers to identify areas where pockets of credit risk could be developing
  • Produce credit risk profiles along with in-depth analysis on the credit performance of the loan book for Exec and Board risk committees
  • Work with the first-line team to ensure all material credit risks have been identified and mitigating actions (where required) have been defined and progressed
  • Set, via the Board, credit risk appetites; identifying and managing portfolio-level credit risks, key exposures, and concentration risks
  • Develop affordability and valuation strategies for all products, ensuring we meet all regulatory requirements and manage these risks within appetite
  • Work with the Financial Risk Manager to ensure climate risks that cause credit risk are within appetite
  • Work closely with the Manager Credit Risk (ECL and Scorecard Modelling) to align ECL provisions and credit risk management and develop the use of cost of risk across the business
  • Provide 2nd-line oversight on the controls for large exposures and other concentration risks through appropriate structures
  • Horizon scan for emerging credit risks and develop forecasting models, e.g., arrears forecasting

Requirements:

  • Experience of credit risk management within a secured lender
  • Experience with analytical software, e.g., SQL, Python
  • A solid grounding in data analysis using quantitative analytic tools and good research skills
  • The ability to identify trends and interpret data from multiple sources and investigate anomalies and unusual patterns/activities
  • Effective problem-solving skills and ability to make recommendations based on findings considering commercial and customer implications
  • Excellent communication skills to articulate complex issues/analysis to senior management and interact with other teams across the business both orally and in writing