Address
Form of work
SalarySome of your responsibilities will include:
- To evaluate, recommend and approve transactions and annual reviews within personal approval authority
- Assist the Head of Credit
- Assessing on a continuous basis, the credit quality of the allocated portfolio with a particular view to ensuring the appropriateness of and approved limits, and whether emerging signs of concern warrant a customer being placed on the Watch, Worry, Monitor list.
- Providing expertise, to the business and regional credit teams, cover the allocated industry of loan product area in the case of specialised lending.
- Managing and improving the risk profile within the Customer Segment by implementing lending and credit guidelines and ensuring credit standards are consistent with Group policy objectives
- To ensure prudent and well-structured credit proposals and minimise credit losses
- To provide qualitative and meaningful input on the business’s operating units/lending portfolios.
- Formulate, recommend, implement & maintain credit policies, guidelines, standards and processes.
- Ensure all Basel 2/3 regulations are enacted as ‘business as usual’
- Implement the Group Compliance Policy by containing compliance risk in conjunction with the relevant Compliance Department. The term ‘compliance’ embraces all relevant laws, rules
- Demonstrate commercial credit skills, not only on a transaction basis but also credit process management.
- Customer contact
- General knowledge of law, accounting and regulatory requirements.
- Management and leadership skills.
- Excellent stakeholder management and relationship skills
