Credit Risk Officer – Property recruitment

The role holder will have leadership of a small team of credit sanctioners with responsibility for credit risk analysis, structuring of transactions and sanctioning, with a focus on large/unusual transactions including residential and commercial property.
The role holder will ensure the optimal quality of the credit portfolio by applying best practice in decision making, subject to a maximum personal lending discretion that will be linked to experience, counterparty rating and collateral type

Core accountabilities:

The role holder will be responsible for leadership, coaching and development of a team of credit sanctioners, providing training and guidance on specific transactions as required. Prepare high quality credit papers and presentations to Credit Committees, Head of Credit Risk and other areas of the Group.

Ensure the highest standard of credit quality through the structuring, sanctioning, monitoring and control of credit applications and maintenance of these standards both personally and as part of the Credit Risk Team.

Deliver professional advice on risk management matters, industry, geography and product specifics and competitor activity where appropriate and provide innovative credit risk solutions with the timely involvement of external specialists.
Contribute to credit policy development, where appropriate. Exercise judgement and discretion in the evaluation and approval/decline of credit proposals, which lie outside credit policy as well as those within.

Role requirements:
Professional/technical experience
Excellent technical credit skills in Property and corporate analysis, including cash flows analysis and projections.
Strong background in residential and commercial property lending.
Working knowledge of traded products and derivatives and good understanding of the risks involved in these products.
Good understanding of credit facility documentation, both generic and bespoke; both banking and traded products.
Strong understanding of investment products and their suitability for collateralised lending and assessment of
lending values for different financial asset classes desirable. Strong oral and written communication skills Good
negotiation and influencing skills