Responsibility for undertaking in depth risk assessments of existing and prospective customer lending propositions, providing recommendations to Credit Committee or sanctioning credit propositions.
Responsibility for developing, evaluating and presenting detailed analysis of the bank’s lending portfolio to the various internal committees and Board.
Within delegated authority limits, sanction credit propositions or make formal recommendations to Credit Committee.
Undertake detailed ratio, trend and cash flows analysis and create projections. Provide detailed oversight of the non performing lending book and prepare strategic reports and recommendations for Credit Committee.
Ensure recommendations from Compliance and Internal Audit reviews and reports on any element of the credit functions (1st and 2nd line) are acted upon in a timely manner and in accordance with the bank’s policies and procedures
Proven track record in assessing and sanctioning complex HNW private and commercial lending propositions in a senior role
Previous senior analyst or senior sanctioning manager, across regulated and non-regulated mortgages.
Experienced in analysing and interpreting detailed credit risk data at a portfolio level and producing high quality reports and presentations.