Deputy Head of Credit City of London / Hybrid (3/2) Permanent £110,000 cer Financial are working alongside a warm service led, well structured international bank who are based in the City of London. They are seeking a Deputy Head of Credit to work with them on a permanent basis. Portfolio consists of Real Estate both Commercial and residential alongside some more vanilla corporate lending. The Responsibilities of a Deputy Head of Credit Will Include: Establish structured end to end independent review process for Credit Approval Unit Establish key performance metrics for the Credit Approval Unit. Objectively assess credit proposals, identifying key risk issues and researching a reasoned conclusion. Take ownership of reporting requirements internally and externally in relation to the monitoring of credit facilities. To organise and or participate in Credit Committee meetings to review and make recommendations relating to proposals. To minute credit decisions in CCC meetings, recommend urgent credit requests to CCC members through circulation, and communicate credit decisions. Review credit policies and procedures and update them in line with Group requirements, industry trends, regulatory requirements, improved risk management & risk mitigation. Provide training to Branch credit staff on corporate risk analysis, rating tools, financial analysis, and overall proposal preparation and review. Risk reporting to the Group Risk Management. Liaison with Credit Administration, Remedial Management, Monitoring Unit, Finance, Compliance & Audit for processes relating to Credit Approval function. Work with IT to support Credit Risk related IT Projects. The Successful Deputy Head of Credit Will Have: Ability to undertake detailed analysis of audited financial statements, management information and financial projections and write concise and incisive reports thereon. Credit structuring skills which are sufficiently robust to challenge proposed structures & suggest alternatives to improve risk mitigation. Proven track record of improving policies and process. Strong understanding of end to end credit process. Mentoring of junior staff