Do you want to be part of a force for good, helping to make life better for customers & society in the moments that matter?
At Hodge, we put people at the heart of our business and that means our customers, colleagues and communities. Hodge is a Welsh financial service provider that focus on real estate finance, and specialist residential mortgage markets.
We are seeking a Senior Credit Risk Manager to be responsible for the first line Risk across the Mortgages department and forward flow agreements and play a pivotal role in shaping the lending strategy of the business.
This role falls under SM&CR, and the successful person will need to be certified.
Essential experience:
* Detailed mortgage knowledge, preferably in a specialist lender
* Strong credit risk management knowledge and experience
* Detailed knowledge of FCA principles
* Demonstrable knowledge of regulatory requirements.
* Customer Centric approach, understanding identified customer target market
* Presenting executive and board level committee experience
Key Responsibilities will include:
* Key member of the Retail senior leadership team collaborating and providing guidance to colleagues on credit risk policies.
* Monitoring and reporting on Hodge's residential mortgage portfolio at Retail Credit Committee, Executive leadership team and board.
* Development of our mortgage risk policies to allow Hodge to appropriately manage its lending risks while recognising changing customer behaviour.
* Leading and developing a team of three credit risk analysts.
* Lead credit risk analytics across Hodge's mortgage portfolio and forward flow agreements. Hodge has forward flow agreements across Buy to Let lending and motor finance.
* Maintain a robust framework to monitor the performance of our mortgage origination.
* Provide oversight to the underwriting function through data and QA.
* To keep abreast of external economic and market conditions that could impact the business.
* Communicate complex analyses, insights and proposals clearly and effectively to both technical and non-technical stakeholders.
Please be aware that should we pursue your application, all our Financial Services employees will be expected to complete background checks to assess suitability for employment, these include; a criminal record, identity, sanctions, adverse finance, fraud prevention and reference checks to comply with our regulatory requirements.
Hodge is an advocate of being an equal opportunities employer, We believe in promoting equality and diversity which is central to our lives today. We welcome applications from all sections of the community and recognises the value a diverse workforce brings to an organisation.
ESG and sustainability are at the heart of everything we do and serves as a reminder of the responsibility we have to our stakeholders, customers, colleagues and the communities we operate in to use our position wisely. We're currently exploring different certifications available and have done an initial review of how we think we'd fare, as we see this as a real opportunity for Hodge given our social purpose.
Apply today to become part of Hodge's mission to make life better for customers and society in the moments that matter.