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Credit Risk Manager
Job Posted: an hour ago
Salary: £ 75,000 - 75,000 / Annum
Job Type: Permanent
Location: Central London
Expire in: a month
Job Description
An exciting opportunity has arisen for a Credit Risk Manager to join a prestigious foreign bank based in the heart of Central London. This is an office-based role offering salary £75,000 and benefits.
As a Credit Risk Manager, you will be reporting directly to the Head of Risk Management and Regulatory Compliance, this role will provide essential support to customer-facing ‘first line’ business roles and collaborate with the Bank’s risk committees, including the Management Credit Committee (MCC) and the Board Credit Committee (BCC).
Key Responsibilities:
Analyse mortgage and loan applications, assessing creditworthiness, financial background, and ability to repay.
Appraise loan/mortgage product types, terms, conditions, pricing, and required covenants.
Support customer relationship managers to ensure excellent service, prompt decisions, and clear communication of terms.
Monitor, control, and report on loan portfolio performance, identifying trends and improving the credit risk profile.
Prepare and present regular credit risk reports and management information.
Maintain and update the bank’s credit risk policies in line with market conditions and the bank’s objectives.
Monitor loan arrears, gather relevant information, and provide regular reports.
Manage mortgage broker selection and oversight policies.
Review underwriting and decision-making processes to ensure compliance with loan conditions.
Review and assure credit risk model outputs, such as expected credit loss (ECL) and IFRS9 calculations.
Conduct stress testing on the loan portfolio and support the bank’s ICAAP process.
Assist the Head of Risk Management and Regulatory Compliance and executives in regulatory matters and meetings.
Key Experience:
Previously worked as a Credit Risk Manager, Credit Risk Analyst, Credit Risk Officer or in a similar role.
Background in credit risk management within a UK-regulated financial services setting
Solid knowledge of UK regulations (PRA, FCA), including Consumer Duty and Basel 3.1
Solid understanding of banking operations, including retail banking, mortgages, SME lending, and associated risks and regulations.
Confident presenting to and influencing senior stakeholders and committees
Skilled in Microsoft Office, particularly Excel, Word, and PowerPoint
Good understanding of financial services processes, procedures, and controls.
Apply now for this exceptional Credit Risk Manager opportunity to work with a dynamic team and further enhance your career.
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