Head of Credit Risk Management

  • London
  • Credit Risk
  • FCA
  • FinTech
  • Operations
  • Operations Risk
  • Regulated
  • Risk

RecruitBlock is recruiting a Head of Credit Risk Management vacancy for an international Private Bank with offices in multiple countries. 

This Private Banking leader provides a range of Wealth management, Funds, Asset Management and Corporate banking services to international clients. Harnessing over 100 years of heritage it is committed to providing long-term added value, stability and sustainability.

This Head of Credit Risk Management role will be based in London and will require office based work.

In this Head of Credit Risk Management role, reporting into the Chief Risk Officer, you will be working alongside a passionate and knowledgeable team to provide solutions and risk oriented support to sales organisation, interfacing between Group Credit and the Front Office.

✔ Head of Credit Risk Management Job ✔ Private Banking Vacancy ✔ London Opportunity 

Role

✔ Assess credit applications; overdrafts, Lombard loans and residential mortgages.

✔ Filter exception requests, working with Group Credit and any other relevant escalation points.

✔ Ensure client credit documentation is complete and up to date and reflects decision.

✔ Perform periodic credit reviews according to the rules set out in the Credit Manual and applicable regulations such as MCOBs.

✔ Periodically notify Group Credit and Senior Management of limit breaches and any credit risk class violation or changes.

✔ Prepare reports for Group Credit Department, the CEO and the Board.

✔ Acting as contact point for the Group Credit Department.

✔ Undertake assessments of the credit risk / credit function ensuring appropriate controls and mitigants in place.

✔ Develop credit policy in conjunction with Group Credit.

✔ Ensure compliance with credit policy including the Credit Manual and Directives and all regulatory requirements.

✔ Support the development of the credit business.

✔ Prepare and enhance existing and new Directives, Working Directives and Credit procedures.

✔ Enhance and develop existing and new credit products

✔ Deliver new product and credit process training to the front office and wider business.

✔ Active participation in Credit Committee, Risk Committee and Senior Managers meetings.

Skills

✔ Experience in the banking industry, or similar, with demonstrable understanding and management of Credit and Operational risks.

✔ Proven experience in a similar role.

✔ Strong working knowledge of relevant mortgage, legal and compliance requirements (including MCOBs, treating customers fairly, and others).

✔ Detailed and working knowledge of contractual and legal documentation, including ESIS, Binding offers, facility templates etc.

✔ Strong track record of successful interaction with HNW clients in dealing with credit requests and HNW exemptions.

✔ CeMAP qualification required and CISI Risk Management (or similar) very desirable.

✔ Able to multi-task, prioritise work and re-prioitise to business needs.

✔ Creative mind with an ability to suggest improvements

✔ Ability to build trusted relationships, work collaboratively, demonstrate initiative and ownership.

✔ UK or EEA passport holder.

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