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  • Credit Risk Underwriter ..move into Potrtfolio Management

    Salary:
    Opening Date: 07/08/2020
    Industry:
    Type:
    Location:
    Reference:

    Portfolio Manager Asset Finance
    South East
    Salary negotiable c£75k plus great benefits

    Our client a fast growing prestigious lender has an opportunity for a Portfolio Manager whose primary responsibilities will include in-life account management their Asset Finance book including annual/interim reviews, MI analysis, conditions and covenants monitoring, analysis and propose approval of in-life events/requests from borrowers; and within these portfolios, work alongside the Collections Team in the management of high risk/complicated problem debt accounts. The role holder will also be responsible for supporting the Credit team with overall portfolio risk management..

    ABOUT YOU

    * A collaborative team player with excellent communication skills, flexibility and adaptability
    * Customer centric, striving to deliver excellence in customer service
    * The willingness to go beyond the norm to deliver excellent service and standards
    * The willingness and aptitude to be a key member of the team and of a growing business
    * Strong credit risk analysis skills, credit risk management skills and attention to detail
    * Highly numerate and literate with the ability to interrogate and summarise information and to write clear, concise and incisive reports

    KEY RESULT AREAS or ACCOUNTABILITIES

    In-life account management:
    * Undertaking annual (and interim) customer reviews in conjunction with the Sales Team
    * Preparing review memoranda for approval by the appropriate sanctioning authority
    * Maintaining the annual/interim review diary and ensuring all reviews are undertaken in a timely manner
    * Monitoring upcoming loan expiries to ensure on track for repayment or renewal in line with expected timeframes and reviewing extension/renewal requests where appropriate
    * Reviewing conditions subsequent/milestones and approving satisfaction with them based on evidence provided
    * Ensuring receipt of customer MI in line with documentation & reviewing for trends, covenant compliance etc.
    * Review and respond to in-life servicing events, preparing credit memoranda for submission to the appropriate sanctioning authority

    Problem debt management:
    * Work closely with Collections and Credit Management Team
    * Monitoring and reporting of performance against Board approved risk appetite metrics and indicators
    * Analysis, monitoring and reporting of key risks for Senior Management and Committees
    * Contribute to continuous improvement of policies and procedures within the Banks Risk Management Framework

    RISK MANAGEMENT RESPONSIBILITIES

    To deliver good customer outcomes and demonstrate behaviours that will positively impact customers. Proactively champion fair customer outcomes for all customers.

    Qualifications/Experience

    ESSENTIAL
    * Significant and recent lending/credit risk management experience with an emphasis on a wide range of asset classes
    * Significant experience of problem debt management.
    * Diverse knowledge of the financial, business, economic and property markets with strong awareness of the regulatory framework

    DESIRABLE
    * Experience of risk management at a portfolio level, including analysis and development of risk management information and the design and development of risk policies and procedures
    * A working knowledge of regulatory RWA application
    * A working knowledge of provisioning methodology under IFRS9
    * A relevant related professional qualification (e.g. ACIB)

    Please call me to discuss Catherine Jack 01279713900 0r email Catherine@thcrecruitment.co.uk
    This would suit and experienced credit risk Underwriter looking to move into Portfolio Management

    Apply Now

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