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Credit Risk Office, Retail

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Salary Competitive
Type Permanent
Location London
Sector Credit & Risk Management
Job Reference T81/WXB/28721
Contact William Brown
Date posted 30-04-2018

Responsibilities
• Underwriting and Credit Analysis for New Loans and Renewals of Retail lending facilities
• Buy to Let properties
• Commercial Property related Term Loan & Overdraft facilities.
• Create a list of accounts due and/or overdue for renewal & review and circulate them to RMs on a regular monthly basis
• Produce arrears, limit utilisation, unauthorised excess reports for use at Line Credit Committee (LCC) on a monthly basis
• Act as Secretary and minute taker for LCC ensuring all necessary documents are circulated to concerned team heads and committee members 24 hours in advance of meeting.
• Approval and marking of limits in conjunction with Credit Administration Department
• Updating and Reviewing cases on Watchlist (retail lending) with Credit Review Manager before submission to CRO for review
• Creation, maintenance and review of retail credit portfolio exposure reports for use by CRO
• Assist in retail lending policy and credit risk process development
• Assisting CRO in compilation of CRO Credit Risk Report on quarterly basis.
• Provide insightful commentary in respect of portfolio trends where required based on self-sourced risk data
• Compilation of provision reports and updates on a quarterly basis for use by CRO and LCC
• Ensuring that treating customer fairly (TCF) principles are adhered to at all times.

Skills Desired
• Must have 1 – 3 years experience within Credit Risk alongside Real Estate experience.
• Experience of both regulated and non-regulated lending products.
• Proven ability to contribute to projects and teams across different business areas.

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Contact William about this job

Associate, Consultant