Senior Credit Manager – Sector Head
Purpose of the role:
The Corporate Institutional Banking Risk division provides a dedicated risk support for Corporate relationships in the UK and across Europe, covering all exposures for a large number of clients across a wide range of industry sectors. From simple corporate loans to large scale, complex transactions
The Role:
As Sector Head, you will be a member of the Sectors and Structured Credit team, sharing responsibility with other team leaders for delivering the Corporate Banking division’s strategy for sector appetite plus assessment and underwriting larger transactions for the Bank. Typical transactions would be north of £50m.
The key focus of the role is to lead a team of credit risk professionals specialising in sector and product areas with responsibility for :
- Undertaking risk assessments on a broad range of large sized UK Corporates, structured transactions
- Approving risk exposures within a delegated authority matrix.
- Drive a proactive sector risk appetite approach to ensure that Risk’s broader strategic objectives are met, including through translating Divisional Risk Appetite into appropriate lending rules and guidelines for credit
- Overview and leading a team to underwrite the more complex and largest exposures across the business within a significant personal delegated authority.
Key Responsibilities and Deliverables:
Drive proactive sector strategy formulation and execution in collaboration with Portfolio Management and the Coverage Business within the Bank .
- Management of the bank’s risk appetite through established internal and external networks.
- Taking the lead in setting and updating Lending Assessment Criteria across the chosen specialism’s.
- Leading a sector team to influence credit risk strategy, policy and sector appetite through application of sector specific knowledge
- Overview and sign off on risk assessments and recommendations from senior credit officers.
- Ensure highest quality standards of underwriting and credit stewardship.
- Developing strong team working.
- Shared ownership (as a member of the Sectors Structured Credit Team) for driving forward the risk strategy and delivering the goals and objectives for the division.
- Conducts suitable assurance to ensure 1st line compliance with policies/responsibilities.
- Provide the senior executive with relevant management information and reports, escalating concerns where appropriate.
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