Responsibilities
·Assess the creditworthiness of current and prospective Clients to determine the level of risk.
·Write rmendation reports and present to Credit Approvalmittee.
·Evaluate a client’s financial statements and credit reports to determine the ability to service debt obligations.
·Assess the quality of credit proposals providing feedback to the frontline and Head of Credit.
·Identify potential enhancements and streamlining to the credit application and approval process.
·Ensure loan applicationsply with the Bank’s Credit Policy and Appetite.
·Adherence to regulatory guidelines.
·Act as a sounding board to the frontline on lending proposals.
·Establishment of strong working relationships at all levels
·Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis.
Skills Required
·Minimum 5 years UK experience of approving loans to trading businesses (Hotels, Care Homes, Retail etc) and Real Estate (Buy to Let and Development)
·Good decision making based on data
·Presentation skills
·Regulatorypliance knowledge and understanding of industry best practices.
·To work efficiently and to timelines
·Experience in producing MI using Excel
Job ID 15258