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This newly created role offers a fantastic opportunity to work closely with senior stakeholders and help shape the bank's credit risk framework. If you have a background in asset finance or trade finance and a passion for maintaining strong credit standards, we'd love to hear from you.
What You'll Be Doing
- Review and assess credit applications from the front office (1LoD), analysing financial statements and risk factors.
- Evaluate sector, environmental and business risks for proposed transactions.
- Support and improve the bank's risk profile through robust credit guidelines and policy alignment.
- Ensure transactions meet credit sanction and documentation standards.
- Partner with key stakeholders on new deal structures, policy exceptions, and risk control solutions.
- Monitor covenants and proactively identify early warning signs in the loan portfolio.
- Collaborate with other risk disciplines to ensure a holistic, enterprise-wide risk view.
- Maintain an updated credit watchlist and support IFRS 9 provision reporting.
- Prepare and present regular reports to the Credit Risk Committee (CRECO).
- Draft minutes for Credit Committee meetings.
- Ensure compliance with Consumer Duty regulations and maintain a customer-first approach.
What We're Looking For
- 5-8 years' experience in credit risk, with exposure to trade finance
- Strong credit underwriting and structured finance expertise.
- Knowledge of key trade instruments and associated risks.
- A self-starter with strong analytical skills, attention to detail, and business acumen.
- Excellent communication and interpersonal skills to influence and align with business goals.
- Proven ability to operate effectively under pressure in a time-sensitive environment.
- Legal documentation experience is a plus.
- Proficiency in Excel and a strong understanding of MI and EOD reports.
- Mortgage market experience is desirable but not essential.
Why Join Us?
- Be part of a small, high-impact team reporting directly to the Chief Risk Officer.
- Work in a collaborative, flexible environment where your voice is heard.
- Contribute to the evolution of the bank's credit risk governance in a role with visibility and influence.
- Hybrid working model with three days in the office and flexibility for remote work.
- Salary up to £75,000.00 Per Annum.
This is a unique chance to step into a pivotal role at a boutique institution that values initiative, expertise, and a proactive approach to risk.
