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  • Head of Credit – Asset Finance

    Salary: Negotiable
    Opening Date: 11/05/2018
    Industry:
    Type:
    Location:
    Reference: CRD/SCOT/JR1RR

    Head of Credit – Asset Finance

    Board Level Appointment

    Scotland

    Excellent salary bonus and incentives & benefits

    Our client is a new lender funded by a major bank. We are seeking a senior credit risk specialist experienced in fast moving “flow” asset finance to head up the Credit Risk Function. This a unique opportunity to advance to a board level appointment.

    o Heading up credit and responsible for policies and procedures
    o Responsible for maintaining processes, policies and procedures to identify and manage risk in the AF Group business.
    o Responsible for managing significant risks to the banks customers, reputation, assets and the interests of stakeholders.
    o To strengthen credit risk management function including underwriting new business opportunities within mandate and contribute to the underwriting process for larger value proposals and credit

    Your responsibilites

    o Undertake initial and continuing risk assessment for asset-based lending exposures
    o To manage Credit Risk – Asset Finance in the planning, designing and implementation of overall risk management process
    o Risk assessment; analysing upside and downside risks as well as identifying, describing and estimating the quantitative and qualitative risks affecting the business
    o Risk evaluation; comparing estimated risks with risk criteria
    o Risk reporting, including corporate governance involving external risk reporting to stakeholders including large exposures, arrears bad debts and provisioning, exception & credit quality assurance reporting.
    o Conducting audits of risk and credit policies, including liaison with internal and external audiences;
    o Providing support, education and training to staff on risk
    o Report all issues of regulatory concern to the Board

    Technical

    * Computer literate (good knowledge of MS Office suite – Excel, Word, Power-Point)
    * Knowledge of TCF
    * A strong understanding of systems and processes for business and modelling experience (Excel)
    * A strong understanding of statutory and management accounts
    * The role involves direction of asset-based recoveries in England and Scotland and a knowledge of the legal framework for recoveries in these areas is an additional advantage but is not essential
    * Knowledge of DPA and other relevant regulatory frameworks (CCA, CCD) an advantage but, again, not essential

    Interpersonal

    * Adaptable & Flexible
    * Excellent verbal and written communication skills.
    * Ability to work as part of a team.
    * Excellent planning and organisational skills
    * Enthusiastic “can do” attitude
    * Able to work under pressure and to tight deadlines
    * Accuracy & Attention to detail
    * Professional, well presented
    * Establishes effective working relationships at all levels
    * Customer Focused and commercial approach

    If this role is for you, please email your CV to julie@thcrecruitment.co.uk

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