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|Sector||Credit & Risk Management|
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.
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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