Mortgage Provisioning Analyst recruitment

We''re one of the fastest growing banks in the UK and that is down to our people. And we recognise that as we help you develop your career you''ll be doing the same for our business.

The Provisioning Team is the centre of excellence for monitoring, managing and reporting credit costs for the whole of the UK operations. The reporting emerging from the team is to the senior governing committees such as the Executive Committee, Board and Santander Head Office in Spain.

In addition the team is responsible for planning and forecasting of provisions. This includes monthly re-forecasting and the more formal annual budget process. This needs liaison with risk and income teams to build financial plans that are aligned with the business.

You will be responsible for the delivery of Mortgage related reporting, analysis and insight. This senior role is ideally suited to a highly commercially aware experienced analyst. The candidates will ideally have a good business knowledge of financial services or a proven track record of learning quickly and putting that learning into practice. The role would suit an ambitious, highly results orientated self-starter with the ability to communicate effectively with senior management across both Finance and Risk.

This role offers a high profile position - responsible for delivering quality insight and reporting to Senior Management within Santander UK together with strong career prospects as the role will provide valuable insight across Santander UK.

Santander UK

The Santander Group has more than 150 years'' experience in global banking and more branches worldwide than any other international bank. We are well on the way to repeating this success in the UK, having been named ''Best UK Bank'' by Euromoney for the third year running and ''Best UK Bank'' by The Banker for the second successive year in 2010.

As a Mortgage Provisioning Agent your skills and qualifications will ideally include:

* Fully Qualified Accountant (ACCA/ACA/CIMA or equivalent)
* Numerate with excellent analytical, business awareness influencing skills
* Able to work under pressure and to tight deadlines, individually and as part of a team
* Excellent communication skills with the ability to communicate effectively with senior management and other business areas
* Strong technical skills; Excel; Business Objects; databases together with experience of Corporate Commercial products is desirable

None

As a Mortgage Provisioning Agent your main responsibilities will involve:

* Reporting of Mortgage monthly provision charges and drivers including Board Slides and management reporting packs for the Financial Controller and Risk Directors.
* Investor relation analysis and commentary which is included as part of the quarterly results announcements both in the UK and Spain.
* Competitor analysis of the other major banks in the UK
* Monthly re-forecasting of Mortgage provisions and associated drivers with early identification to management of any major risks and opportunities
* Integration of the RBS portfolio, with process re-engineering to embed the new business acquired and embed smoothly into the Santander model.
* Liaison with Risk to agree assumptions and business rationale for drivers in the 5 year plan for Mortgages.
* Manage the delivery of ad-hoc information requests from Finance management in relation to Mortgage portfolio

Santander welcomes applications from all sections of the community.