Risk Manager
Join Santander and you'll become a vital part of a business built on the outstanding service provided to our customers, as well as the award-winning products we offer. 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.
This is an exciting role within the Corporate Credit Risk team within the Wholesale Credit Risk Department is primarily involved with the analysis and credit rating of UK multinational and UK corporate clients.
The Corporate Credit Risk team is instrumental in transmitting and implementing the local and the group best practices, credit policies, procedures and risk appetite within the Global Banking Model in 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 recognised as one the "Top Employers in the UK" in 2012 by the Corporate Research Foundation (CRF) Institute.
As a Risk Manager - Corporates your skills and qualifications will ideally include:
- Degree educated within a relevant discipline or relevant experience.
- A good working knowledge of loan products and treasury products including familiarity with covenant (setting and monitoring), security, documentation (ISDAs) and facility structuring etc;
- A demonstrable track record in risk analysis of UK and Multinational Corporates, including balance sheet, PL and cash flow trends,
- High degree of computer literacy and ability to interpret complex business models and run appropriate sensitivities; Clear and articulate communication of credit decisions with an ability to justify such if challenged (whether by Front Office or Senior Management) with sound reasoning;
- Actively develop relationships with Front Office and with our colleagues in Head Office, and provide exceptional service and advice;
- Spanish language skills are desirable
As a Risk Manager - Corporates your main responsibilities will involve:
- Undertake internal rating assessments, using the Santander Group proprietary internal rating tools.
- Conduct a comprehensive assessment of new lending proposals, annual reviews and waiver requests, ensuring that all risks are identified and make a judgement as to their acceptability in a timely fashion followed by a suitable recommendation to the appropriate approval authority.
- Provide technical expertise to team members. Ensure alignment to the Group risk policies.
- Provide independent and robust recommendations to the Senior Management/Committees about potential transactions.
- When applicable, attend to the relevant committees both in the UK and Madrid.
- Take a proactive role in communication to key stakeholders, maintain an awareness of the integration plans of the businesses and flag inconsistencies, conflicts and potential resource constraints both internally to the Manager as well as directly to stakeholders.
- Operate with Senior Management levels across the business. Participation in decision-making, committees and support to the Manager. Exposure to senior management through business initiatives, forums and committees.
- Control global positions and make sure excesses are investigated and appropriate action is taken within the required timescales.
- Ensure that changes to regulatory landscape are incorporated into activities.
Location: London
Salary: £65,000 - 75,000 + car allowance and excellent benefits.
Please note we are currently recuiting 4 vacancies at this level
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