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- Tasks: Lead credit risk assessments and improve approval processes in a dynamic banking environment.
- Company: Join a warm, service-oriented international bank in the heart of London.
- Benefits: Enjoy a hybrid work model and competitive salary of £110,000.
- Why this job: Make a real impact on credit policies while mentoring future leaders in finance.
- Qualifications: Strong analytical skills and experience in credit structuring are essential.
- Other info: Opportunity to collaborate with various departments and lead critical credit committee meetings.
The predicted salary is between 66000 - 88000 £ per year.
- Establish structured end to end independent review process for Credit Approval Unit
- Establish key performance metrics for the Credit Approval Unit.
- Objectively assess credit proposals, identifying key risk issues and researching a reasoned conclusion.
- Take ownership of reporting requirements internally and externally in relation to the monitoring of credit facilities.
- To organise and or participate in Credit Committee meetings to review and make recommendations relating to proposals.
- To minute credit decisions in CCC meetings, recommend urgent credit requests to CCC members through circulation, and communicate credit decisions.
- Review credit policies and procedures and update them in line with Group requirements, industry trends, regulatory requirements, improved risk management & risk mitigation.
- Provide training to Branch credit staff on corporate risk analysis, rating tools, financial analysis, and overall proposal preparation and review.
- Risk reporting to the Group Risk Management.
- Liaison with Credit Administration, Remedial Management, Monitoring Unit, Finance, Compliance & Audit for processes relating to Credit Approval function.
- Work with IT to support Credit Risk related IT Projects.
- Ability to undertake detailed analysis of audited financial statements, management information and financial projections and write concise and incisive reports thereon.
- Credit structuring skills which are sufficiently robust to challenge proposed structures & suggest alternatives to improve risk mitigation.
- Proven track record of improving policies and process.
- Strong understanding of end to end credit process.
- Mentoring of junior staff
Head of Credit Risk - Deputy in City of London employer: cer Financial
Contact Detail:
cer Financial Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit Risk - Deputy in City of London
✨Tip Number 1
Network with professionals in the banking and credit risk sectors. Attend industry events or webinars where you can meet people who work at international banks, especially those focused on credit risk. Building these connections can give you insights into the company culture and potentially lead to referrals.
✨Tip Number 2
Stay updated on the latest trends in credit risk management and regulatory changes. This knowledge will not only help you in interviews but also demonstrate your commitment to the field. Consider following relevant publications or joining professional associations related to credit risk.
✨Tip Number 3
Prepare to discuss specific examples from your past experience that showcase your ability to improve policies and processes. Think about times when you successfully mentored junior staff or led a project that enhanced credit risk assessment procedures.
✨Tip Number 4
Familiarise yourself with the bank's portfolio, particularly in real estate and corporate lending. Understanding their specific challenges and opportunities will allow you to tailor your discussions during interviews and show how you can add value to their team.
We think you need these skills to ace Head of Credit Risk - Deputy in City of London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management, particularly in real estate and corporate lending. Use specific examples to demonstrate your ability to assess credit proposals and improve policies.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss your experience with credit approval processes and how you can contribute to the team. Be sure to mention any leadership or mentoring experience.
Highlight Key Skills: Emphasise your analytical skills, credit structuring abilities, and experience in risk reporting. Mention your familiarity with regulatory requirements and your capacity to train junior staff, as these are crucial for the role.
Proofread Your Application: Before submitting, carefully proofread your application for any spelling or grammatical errors. A polished application reflects your attention to detail, which is essential in the field of credit risk.
How to prepare for a job interview at cer Financial
✨Know Your Credit Risk Fundamentals
Make sure you have a solid understanding of credit risk principles, especially as they relate to real estate and corporate lending. Be prepared to discuss your experience with credit structuring and how you've improved policies in previous roles.
✨Demonstrate Analytical Skills
Be ready to showcase your ability to analyse financial statements and management information. Prepare examples of reports you've written that highlight your analytical skills and how they contributed to decision-making processes.
✨Showcase Leadership and Mentoring Experience
As a Deputy Head of Credit, you'll need to mentor junior staff. Share specific instances where you've successfully trained or guided team members, and explain how you approach leadership in a collaborative environment.
✨Prepare for Scenario-Based Questions
Expect questions that assess your problem-solving abilities in real-world scenarios. Think about past experiences where you had to make tough credit decisions or improve processes, and be ready to discuss the outcomes.
