Credit Portfolio Manager
2 weeks ago
Reporting directly to the Head of Credit, the Credit Portfolio Analyst plays a key role in the commercial centre of the bank, overseeing the feasibility, execution, and oversight of the credit & asset strategy for a multi-asset class loan portfolio.
Main Responsibilities:
- Conducting client commercial feasibility analysis of potential portfolio acquisitions and forward flow contracts, including asset creditworthiness and unit economic in line with the Bank's criteria and targeted returns
- Supporting in the monitoring of individual assets and portfolios at on-boarding against KRIs (namely credit score, affordability and debt to income ratios);
- Supporting in the monitoring credit risk on an ongoing basis through the review of related MI, credit dashboards, watch lists and metrics, enabling the identification and remediation of risk issues and breaches of limits.
- Provide commercial and credit insights based upon internal and external data at a lender, asset class & portfolio level. Supporting credit risk stress testing as part of the Bank's planning processes.
- Be part of the Bank's team in undertaking asset quality reviews on specific lender portfolios.
- Using SilverRock credit MI insight to assess, inform and feedback on lender partners collection strategies.
Requirements:
- Experience in Credit Risk and/or Financial Commercial Analytics, Asset Originations and Evaluations for mortgage lending and must possess sound market and industry knowledge.
- Experience in SME lending (unsecured and secured) and unsecured consumer lending is also desirable
- Ability to see bigger picture on overall strategy for the evolution of commercial and credit risk performance
- Good planning and organizational skills: the ability to handle several tasks simultaneously and coordinate key projects with a variety of stakeholders
- Communication skills: good written and verbal communication skills to be able to work effectively with others, with an ability to communicate and present technical information in a clear and concise manner
- Advanced computer skills, experience in or the desire to work with data and data manipulation tools is essential
- Financial and cashflow modelling skills: experience modelling detailed and complex cashflows and conducting analysis using large data sets
- Analytical skills: the ability to make deductions and meaning from rather complex and abstract situations and make sound decisions from them
- Energetic, capable of initiating and nurturing relationships
- Strong collaborator
Qualifications:
- Bachelor's degree in a numerate degree accounting, economics, finance, mathematics or other STEM field is a must
- Experience and a desire to pursue a career in Banking Credit and Financial Analytics
- Basic understanding of accounting, statistics and economics
Benefits:
- Lifestyle and family friendly policies
- Health Insurance for you and your spouse
- 28-day Holiday Entitlement (plus bank holidays)
- Life Insurance
- Pension Contributions
Important:
- Must have UK work authorisation
- No recruiters please
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