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For Companies At a Glance
- Tasks: Develop credit risk policies and oversee lending decisions while ensuring compliance.
- Company: Join a dynamic financial services firm focused on sustainable growth and innovation.
- Benefits: Enjoy remote work flexibility and a competitive salary up to £75k.
- Why this job: Be part of a collaborative team that values mentorship and professional development.
- Qualifications: Experience in secured lending, underwriting, and strong IT skills are essential.
- Other info: Home-based role with occasional travel to Berkshire.
The predicted salary is between 60000 - 84000 £ per year.
Job Purpose To support sustainable business growth by developing prudent, commercially focused credit risk policies, collaborating with various business functions, and ensuring regulatory compliance. The role also involves oversight of lending decisions and participation in risk forums or committees. Key Responsibilities: Credit Policy Development and Liaison Act as a liaison between the Credit Policy team and New Lending. Ensure lending manuals meet minimum credit policy requirements. Referrals and Escalations Own and monitor referrals to the credit policy team from underwriting or other areas, ensuring SLA compliance. Proposals and Risk Oversight Evaluate new lending propositions, balancing risk appetite and regulatory principles. Prepare proposals for senior management review and approval. Policy Updates Update lending policies in line with risk appetite and maintain change logs. Committee and Forum Participation Support the Risk Manager and provide input for risk committees. Compliance and Mentoring Ensure adherence to FCA regulations, Data Protection, AML legislation, and Treating Customers Fairly (TCF). Mentor colleagues and contribute to their development. What you will Bring: Financial services experience with expertise in secured lending. Expertise in underwriting, risk assessment, and mentoring. Strong knowledge of the mortgage market and product lifecycle. Knowledge of commercial secured lending. Familiarity with risk factors affecting consumers and limited companies. Strong IT proficiency. Excellent problem-solving, communication, and stakeholder management skills. Collaborative, self-starter mindset with the ability to prioritize tasks. Location: Home based with adhoc travel to Berkshire Salary: up to £75k (depending on experience)
Senior Credit Policy Associate - Commercial Lending employer: Buckden Partners
Contact Detail:
Buckden Partners Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Policy Associate - Commercial Lending
✨Tip Number 1
Familiarize yourself with the latest trends and regulations in commercial lending. This will not only help you understand the landscape but also demonstrate your commitment to staying updated, which is crucial for a role focused on credit risk policies.
✨Tip Number 2
Network with professionals in the financial services sector, especially those involved in secured lending. Engaging in discussions about underwriting and risk assessment can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Prepare to discuss specific examples of how you've contributed to policy development or risk oversight in previous roles. Highlighting your experience in mentoring colleagues can also set you apart as a candidate who adds value beyond just technical skills.
✨Tip Number 4
Showcase your IT proficiency by being ready to discuss any relevant software or tools you've used in credit policy development or risk management. This will illustrate your ability to leverage technology in enhancing lending processes.
We think you need these skills to ace Senior Credit Policy Associate - Commercial Lending
Some tips for your application 🫡
Understand the Role: Take the time to thoroughly understand the responsibilities and requirements of the Senior Credit Policy Associate position. Tailor your application to highlight your relevant experience in credit risk policies and commercial lending.
Highlight Relevant Experience: In your CV and cover letter, emphasize your financial services experience, particularly in secured lending and underwriting. Provide specific examples of how you've developed credit policies or mentored colleagues in previous roles.
Showcase Your Skills: Make sure to showcase your problem-solving, communication, and stakeholder management skills. Use concrete examples to demonstrate how you've successfully collaborated with different business functions in the past.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial in a role focused on compliance and policy development.
How to prepare for a job interview at Buckden Partners
✨Showcase Your Financial Services Expertise
Make sure to highlight your experience in financial services, particularly in secured lending. Be prepared to discuss specific examples of how you've developed credit risk policies or managed lending decisions in the past.
✨Demonstrate Your Problem-Solving Skills
Prepare to share instances where you've successfully navigated complex underwriting or risk assessment challenges. This will showcase your ability to balance risk appetite with regulatory compliance effectively.
✨Emphasize Collaboration and Mentoring
Since the role involves mentoring colleagues, be ready to discuss your approach to collaboration and how you've supported the development of others in your previous roles. Highlight any experiences where you contributed to team success.
✨Familiarize Yourself with Regulatory Compliance
Brush up on FCA regulations, Data Protection, and AML legislation. Be prepared to discuss how you ensure compliance in your work and how you would approach policy updates in line with these regulations.
