Credit Risk Manager
About the role
* Establish, maintain, and develop embedded risk management practices throughout the Society and Group to meet strategic goals and advise Senior Management on Credit Risk areas.
* Manage the Credit Risk Team to foster continuous improvement.
* Collaborate effectively across Risk, Commercial, Operations, Finance, and Compliance to achieve shared business objectives.
* Maintain and develop the Credit Risk Management Policy.
* Support the production and updating of the Society's detailed Lending Policy documentation in line with relevant regulations.
* Prepare and oversee Credit Risk Committee meeting packs, including minutes and actions, in a timely manner, covering:
* o Management information and reporting for risk and control framework assessment.
* o Risk exposure relative to risk appetite and regulatory limits.
* Coordinate and escalate risk reporting to the Board Risk Committee as appropriate.
* Liaise with internal audit and Compliance regarding risk information for audit and compliance planning.
* Support the Finance Team in calculating monthly Provisions and annual ICAAP scenarios.
* Oversee loss models, monitoring, and ongoing improvements.
* Review and recommend improvements to risk appetite, considering the economic environment and ensuring a dynamic approach to Credit Risk management.
* Deliver ongoing improvements and automation of Credit Risk MI, contributing to business development activities and supporting the Society's growth aspirations.
Key Attributes
* Previous Credit Risk Experience (preferably mortgages).
* SAS programming knowledge.
Technical Competency
Risk
Ability to identify and assess risks, designing and implementing risk appetite and strategy.
Financial Crime & Data Security
Ability to identify and mitigate financial crime, fraud, and data security risks, ensuring compliance with policies, legislation, and industry standards.
Generic Competencies
* Effective communication skills, capable of conveying messages clearly to the right audience.
* Customer-focused approach to meet needs beneficially for both customers and the organization.
* Teamwork, supporting and collaborating with others to achieve objectives, with openness to change.
* Achievement-driven mindset, seeking to exceed objectives.
* Problem-solving skills, applying creativity and flexibility for continuous improvement.
* Sound decision-making based on gathered facts and learning from others.
* Business acumen to understand and leverage business insights for customer benefit.
* Planning and prioritization skills for efficient work delivery.
#J-18808-Ljbffr