As the Lead Commercial Credit Risk Manager, you will be responsible for second line of defence portfolio credit management, acting as a key reference point to understand and articulate the credit risk which the Bank is taking. You will have oversight of the credit risk portfolio through the credit lifecycle, making sure risks are identified, understood and mitigated.
Depending on the team, most of our roles offer flexible working and you will work remotely temporarily due to COVID-19.
So what would you be doing?...
• Working closely with first, second and third line teams to understand and manage credit risk across the whole Commercial lending book.
• Maintaining commercial credit risk appetite statements and limits, working across teams to make sure risk appetite is embedded and adhered to
• Preparing reports for senior management to providing a clear understanding and communication of credit risk
• Supporting external reporting such as annual report & accounts, regulator requests, investor presentations and rating agency presentations
• Working with first, second and third line teams to make sure credit policies and processes are effective
• Working with the Credit Risk Modelling teams to make sure models are effective and fit for purpose
• Keeping up to date and at the forefront of any regulatory requirements and changes
You need to be this kind of person…
• Passionate about providing unparalleled levels of service and convenience for customers
• Able to work and learn quickly in a fast paced, fun and dynamic environment
• Prepared to stick at something – we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
• Care about doing a great job and exceeding expectations with the quality of what you do
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...
• Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
• You must have extensive credit risk knowledge across a wide range of commercial sectors, product types and credit lifecycle
• To exceed in this role, you need to have knowledge of regulatory requirements for IRB and IFRS9
• Ideally, you will have experience working with risk identification and control, including KPIs and commercial credit risk policy
• It would be AMAZEING (but not essential), if you had knowledge of a statistical program language i.e. SAS, SQL, SPSS and VBA
Share it: