To manage risk exposure in line with the Risk Appetite of the Group.
To develop and maintain a team of analysts to meet the company’s risk management requirements.
To develop and implement credit and lending strategy to support business growth within the Group’s overall business strategy.
- developing appropriate risk strategies necessary to manage risk to stated risk appetite levels
- due diligence for portfolio purchases, individual large loans and structured lending facilities
- portfolio risk management:
- oversight of portfolio performance
- oversight of customer risk profiles and trends
- ensuring the optimal decisions systems are successfully utilised at appropriate stages of accounts life cycle
- ensuring the Credit Risk framework is communicated and applied across all business streams
- Credit Risk reporting
- the development, implementation and monitoring of Credit policy across the Group
- passing and maintaining the requirements of the Relevant Regulator’s ‘fit and proper test’ as required by Senior Managers Regime/ Certification Regime
- adherence to the Individual Conduct Rules as part of the Senior Managers Regime/ Certification Regime as detailed below
- taking ownership and maintaining of own Continuous Professional Development (CPD) Log as part of the Senior Managers Regime/ Certification Regime