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Head of Credit Risk

Alton, Hampshire, United Kingdom, £ £ 60000.00-80000.00 Annual Annual, Permanent

Description:

We are currently recruiting for Head of Risk to join one of our favourite clients based in Alton. The person who joins this business will ideally be experienced within all credit products including structured finance and asset finance.

Client Details

This organisation focus on the financial needs and aspirations of the community by offering solutions that support sustainable development. This business live by a set of values which underpin everything they do and their focus is to make a difference. They focus on customer progress and facilitating customer's options for making sustainable choices and decisions.

Description

As the Head of Credit Risk you will have a series of roles and responsibilities to adhere to:

  • Lead, manage and coach the Credit Team.
  • Monitor and ensure optimal resource allocation amongst the Underwriters.
  • Critically and objectively assess and challenge credit applications prior to submission to Credit Committee and the Board.
  • Analyse affordability measures, financial crime risks and fraudulent applications, and credit backgrounds.
  • Provide industry regulatory expertise and understanding to the business in order to strengthen future credit and risk frameworks.
  • Produce reports on trends, volumes and data relating to applications to the Board and Senior Management Team.
  • Adhere to the Credit Policy, credit guidelines, service levels in accordance with the guidelines.
  • Make credit recommendations to the Credit Committee for proposals in line with the guidelines.
  • Work with all divisions to maximise opportunity.
  • Assist the Credit Committee and COO to ensure the Credit Policy is current and provide recommendations on improvement and enhancements to Credit Policy and credit guidelines.
  • Assist the COO in automation of credit process and decisions where applicable.
  • To build and maintain flexible working partnerships both internal and externally.
  • Promote and adhere to the Company's culture and values.
  • Identify and drive own and team member's personal career development needs through self-analysis and feedback from others.

Profile

In order to be successful when applying for this role you will need the following skills and attributes:

  • Professional qualification is desirable.
  • Proven experience working in a senior credit role within the financial services industry.
  • Strong leadership and management skills.
  • In depth understanding of financial statements and principles of lending.
  • Excellent understanding of the relevant UK Regulatory requirements relating to the provision of credit facilities and KYC processes in these jurisdictions.
  • Excellent interpersonal and communication skills are essential as this role will involve influencing at all levels.
  • Ability to work under pressure.
  • Planning and organisational skills.
  • Active listening and questioning skills

Job Offer

You will receive a competitive salary and any other company benefits once employed.

Job Details

1308228910
Not Specified
Alton, Hampshire, United Kingdom
Permanent
£ £ 60000.00-80000.00 Annual Annual