Credit Risk Specialist

1 week ago

Glasgow, United Kingdom Adway Associates Full time

As a Credit Risk Specialist, youre core responsibilities will be analysing credit data, presenting the findings from your analysis, and solving problems by creating solutions from the analysis of data. As part of the Account Management Strategy team, youll support the identification, design and delivery of credit strategies and policy, within regulatory and risk guidelines.

**The Role**:
Deliver meaningful insight to allow for informed strategic recommendations to be made by the Credit Risk Manager and Senior Management Team.
Work collaboratively with Credit Strategy owners, Commercial and Operational colleagues to identify improvements that maintain regulatory compliance, improve efficiency, or provide additional value to the business.
Support the development and delivery of a comprehensive suite of credit risk portfolio insight, oversight, challenge, and opinion for use across a range of stakeholders including Central Committees and Governance reporting.
Demonstrate a collaborative approach with Risk Appetite Statement, working across other teams in Credit, Risk, and the Commercial areas.
Develop and maintain a relationship with the Credit Risk teams at an operational and senior level to ensure that best practice is shared, challenges are raised in a timely manner to constructively shape outcomes and all requests are met.
Demonstrate maintenance of our internal Governance frameworks, policies and Regulatory guidelines and ensure this framework is embedded in the business to ensure sound risk practices are adopted.
Work under the leadership of the Credit Risk Manager to support the development of appropriate stakeholder management processes for managing and delivering effectively for internal customers including engaging at an operational level to ensure effective operation of key processes
Significant analytical experience working in highly analytical roles, including in a similar role within the financial sector
Robust Credit Knowledge
Excellent communication skills with the ability to condense and simplify complex information to brief and influence senior stakeholders
Presence and gravitas with the ability to operate effectively with senior leaders, representing Virgin Money with external stakeholders and standing up to robust challenge
An ability to support multiple priorities in a fast-changing environment, prioritising effectively and managing various expectations while supporting Analysts to do the same.
Confidence to drive change in a positive and collaborative manner and turn ideas into practical solutions with experience influencing areas of business focus.
Willingness to challenge other teams work through meetings and discussion forums.
Advanced skills within data mining, manipulation, and summarisation (SAS, SQL etc)
Understanding of data structure and credit risk strategies
Experience in provision of independent analytics, portfolio and strategy performance metrics
Experience building strong networks and relationships with internal and external parties
Experience in deputising for senior colleagues on smaller projects and less senior meetings.
Understanding of the Legal and Regulatory framework and agenda, operations of Risk and the wider business.
Some understanding of the VMUK business model and strategy.

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