SME Credit Team Leader, Wholesale Credit

Join us as a SME Credit Team Leader in Wholesale Credit

• This is an opportunity to put your credit skills to the test and take on a new career challenge in this regulated position
• You’ll work within the SME credit team, focusing on our Commercial & Institutional business
• You'll also sanction borrowing applications within a delegated authority level in accordance with current risk appetite, processes and procedures
• Thrive in a role that will bring a purpose-led focus to your work, championing the potential of our business and people through your expert guidance on the management of credit risk

In this exciting role, you’ll be exercising delegated authority and coaching, mentoring and enabling your team to provide appropriate credit decisions for lending transactions across a range of lending products and services.

You will be working with the first line businesses and other risk teams, supporting the development of new credit related products and services, providing suitable oversight and challenge on proposed risk appetite, policies and processes.

Day-to-day your top priorities will include:

• Leading a team of credit managers facing into the C&A franchise
• Collaborating with our business and other colleagues to ensure that the portfolio, deal pipeline and emerging risk issues are fully understood
• Leading oversight processes to provide assurance to senior management on appetite adherence and control processes
• Attending relevant committees and fora to ensure that our risk appetite and concentration objectives are being considered when deciding on a credit strategy
• Supporting intelligent risk taking, driving growth, optimising risk and delivering sustainable returns
• Acting as an ambassador for risk management and the Risk function, both within and external to the organisation
• Providing support and guidance to colleagues within the function, on all matters of a credit nature
• Driving a cost discipline, to identify and improve credit processes that can create efficiencies and enhance the customer proposition
• Developing and coaching your team of colleagues, to support them in achieving their career goals and potential

To be successful in this role, we’ll need you to have experience of credit risk management tools and techniques, along with a practical understanding of credit risk management frameworks, policies, processes and controls.

You’ll also need:

• Experience in exercising a personal discretionary authority
• A background of working in cross-divisional teams and the ability to collaborate with front line, credit and other stakeholders
• Excellent communication and influencing skills
• The ability to challenge effectively and constructively
• A proven ability to lead transformation in your area of responsibility