Credit Risk Officer (12-Month Fixed-Term Contract) The Access Bank UK Ltd is the first Bank in London to be awarded Platinum status by Investors in People (IIP) in 2020 demonstrating our commitment to high performance through good people management and strong company culture. Why work in Credit Risk? The Bank’s overarching policy is to manage compliance proactively and to ensure that as far as the Bank, its customers and its employees operate within all legal and regulatory requirements and that the regulator is satisfied with the Bank’s compliance systems and controls. Credit Risk is vital for the Bank as it helps to identify, monitor, assess, and mitigate risk. This is an excellent opportunity for any individual that is looking for a challenging and varied position which if achieved successfully could bring fantastic career prospects. Your day-to-day responsibilities: As a Credit Risk Officer will need to work under their own initiative and across a variety of different business areas while delivering excellence as part of a multi-functional team and maintaining exceptional levels of quality, professionalism and at all times remaining focused on total customer satisfaction. The role involves a wide variety of activities across the Risk team but will include analysis of risk exposures, the recommending of lending decisions, policy and procedural development as well as providing advice and support on Risk issues to colleagues across all the key business areas of the Bank. Undertake detailed financial and income analysis as part of the review of new property applications. Undertake daily monitoring of property loans. Liaising and building relations with outside suppliers, for example valuers and solicitors. Create reports and returns which may involve detailed research and analysis from within and outside the unit; Carry out specific tasks within set terms of reference and defined processes; Assist the Deputy Head of Credit Risk and the Senior Credit Risk Analyst as and when required on specific activities and projects; To work with each department and the various business units to provide support, advice and guidance; Carry out Credit Risk process, enhancements, reviewing procedures and identifying improvements to meet customers changing needs/business requirements; Ensure all Credit Risk principles, policies and procedures are clearly defined and regulatory developments are proactively communicated; Through regular and appropriate business involvement, ensure all credit risk work is carried out to the required level of competence as set out by legal and regulatory; Build effective relationships with the various business units. Person/Experience required: Experience within a credit risk role position, ideally from a Finance services aspect. Experience in working as part of a multi-disciplined team across business units. Problem solving and excellent analytical skills are essential and you will be a resilient individual who is calm under pressure; Able to meet deadlines and organise workload according to changing priorities. Ability to undertake a variety of analysis and maintain accuracy and quality; A good attention to detail, adaptability, a keenness to learn; A good team player, capable of working in a fast paced pressured environment; Ability to build professional relationships effectively, both in the immediate team and wider business. Key skills: Problem solving and analytical skills are essential and you will be a resilient individual who is calm under pressure; Ability to advise the team on complex areas unsupervised; Ability to undertake a variety of analysis and maintain accuracy and quality; Excellent report writing skills; A good attention to detail, adaptability, a keenness to learn; A good team player, capable of working in a fast-paced pressured environment; Ability to build professional relationships effectively, both in the immediate team and wider business. Proficient in Microsoft Excel, Outlook and Word. Why work with The Access Bank UK Ltd? At The Access Bank UK, we are committed to helping our employees reach their full potential through providing continuous learning opportunities, and the tools and training to help them grow. We encourage a sense of individual ownership whilst fostering team spirit and are firmly committed to the diversity of our workforce. We are proud to have achieved the Investors in People Platinum accreditation, which is recognised across the world as a mark of excellence. We are guided by our Core Values : Excellence Innovation Passion for Customers Professionalism Empowered Employees Leadership Benefits As well as a competitive salary, you’ll enjoy a benefits package that you can tailor to your needs. Eligible for a discretionary performance-related annual bonus 25 days’ holiday plus bank holidays, which increases to 27 days after 2yrs service, and 29 days after 5 years Company funded Employee Assistance Programme Benefits supporting you and your family, such as death-in-service benefit As an equal opportunities employer, The Access Bank UK Ltd is committed to the equal treatment of all current and prospective employees and does not condone discrimination on the basis of age, disability, sex, sexual orientation, pregnancy and maternity, race or ethnicity, religion or belief, gender identity, or marriage and civil partnership.