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Senior Credit Risk Manager

Stellar Select Limited
Job LocationFleet
EducationNot Mentioned
Salary£75,000 per annum
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypePermanent, full-time

Job Description

Job Title: Senior Credit Risk ManagerLocation: Fleet (remote working to begin with. Will be required to later work in Fleet with flexibility of home working too)Salary: Up to £75,000 plus benefits and bonusWorking Hours: Monday - Friday 9am - 5:30pmAbout the role of Senior Credit Risk ManagerResponsible for firm wide oversight of and leading the strategy for credit risk from a second line perspective. The role holder is responsible for overseeing Credit Risk ManagementResponsibilities required for the role of Senior Credit Risk Manager

  • Maintain and manage a relationship with the first line, which includes overseeing, challenging, and adding value to matters related to Credit Risk, including regulatory matters in conjunction with the Risk Director.
  • Responsible for oversight of Credit Risk Management, from a second line perspective.
  • Ensure that Credit Risk requirements are managed appropriately within the organisation, in line with regulatory and internal expectations as well as industry practice, as evidenced by Internal Audit reviews and regulatory interactions.
  • Drive Credit Risk strategy for existing and future lending products within agreed tolerance and FCA regulations.
  • Develop and refine credit models to underwrite customer base of borrowers in alignment with strategic business objectives.
  • Attend the Credit Committee and ALCO (both of which report to the Risk Committee), as well as relevant Working Groups and report key findings to the Risk Director. Advise the Board, ExCo, and investors, on credit risk exposure and framework as required.
  • Present work to the Risk Committee on credit risk oversight when appropriate.
  • Interface with Regulators as and when needed, including being interviewed as the subject matter expert on credit risk issues; and ensure a positive regulatory relationship.
  • Liaise with the second line Operational Risk and Prudential risk & compliance areas/colleagues to risk assess the financial and operational resilience of (and related MI and risk appetites for) the firm holistically.
  • Liaise with and inform colleagues of potential FCA focused Conduct Risk matters that may arise from Credit and other related work, such as on Affordability, Persistent Debt and Vulnerable Customers.
  • Assess, update, and maintain policy.
  • Negotiate with Funders regarding criteria to recommend and implement change.
  • Agree underwriting exceptions outside of policy, ensuring exception levels are not exceeded.
  • Work closely and maintain and develop relationship with Sales and Lending Teams to assess need for criteria change.
  • Proactively analyse market information, environmental changes, and economic trends to identify emerging or possible risks, recommending changes in approach as appropriate.
  • Manage all CIFAS / SIRA responses to ensure mortgage applications meet lending criteria.
  • Work closely with Head of Treasury in relation to securitizations as a Credit Risk SME.
    • Experience required for the role of Senior Credit Risk Manager
  • Staff management and oversight experience in a similar role with a specialist mortgage lender will be essential
  • Experience of working with funders
  • Experience of having responsibility for a credit risk framework
  • Decision making ability
  • SAS user experience
  • Strong numeric, analytical and report writing skills
  • Knowledge of mortgage products
  • Strong Excel skills
  • Data awareness and manipulation skills - data mining/cleansing skills
  • Highly organised with the ability to manage several projects at the same time
  • Ability to present to senior management level
  • Effective stakeholder management skills
    • For more information regarding the role of Senior Credit Risk Manager please contact usStellar Select is acting as an employment agency and is a corporate member of the RECDue to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days Required skills
  • Credit Risk
  • Lending
  • Loans
  • SAS
  • Mortgages

    • Keyskills :
    Credit Risk Lending Loans SAS Mtgages

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