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For Companies At a Glance
- Tasks: Lead credit assessments and improve 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 enhance your professional network.
The predicted salary is between 79200 - 110000 £ per year.
Job Description
Deputy Head of Credit
City of London / Hybrid (3/2)
Permanent
£110,000
Cer Financial is working alongside a warm service-led, well-structured international bank based in the City of London. They are seeking a Deputy Head of Credit to work with them on a permanent basis.
Portfolio consists of Real Estate both Commercial and residential alongside some more vanilla corporate lending.
The Responsibilities of a Deputy Head of Credit Will Include:
- 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.
The Successful Deputy Head of Credit Will Have:
- 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
Deputy Head (Credit) - CER Financial employer: cer Financial
Contact Detail:
cer Financial Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Deputy Head (Credit) - CER Financial
✨Tip Number 1
Network with professionals in the banking and finance sector, especially those who have experience in credit risk management. Attend industry events or webinars to connect with potential colleagues and learn more about the culture at Cer Financial.
✨Tip Number 2
Familiarise yourself with the latest trends in credit risk assessment and management. Being knowledgeable about current regulations and best practices will demonstrate your commitment to the role and help you stand out during interviews.
✨Tip Number 3
Prepare to discuss specific examples from your past experience where you've successfully improved credit policies or processes. Highlighting your achievements in these areas will show that you have the skills needed for the Deputy Head of Credit position.
✨Tip Number 4
Research Cer Financial's values and mission to align your responses during interviews. Showing that you understand their service-led approach and how you can contribute to their goals will make a positive impression.
We think you need these skills to ace Deputy Head (Credit) - CER Financial
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit analysis, risk management, and any leadership roles you've held. Use specific examples that demonstrate your ability to assess credit proposals and improve policies.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the Deputy Head of Credit position. Discuss how your skills align with the responsibilities outlined in the job description, particularly your experience with credit structuring and mentoring junior staff.
Highlight Relevant Skills: Emphasise your analytical skills, understanding of financial statements, and experience in credit processes. Mention any specific tools or methodologies you are familiar with that relate to credit risk assessment.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors or inconsistencies. A polished application reflects your attention to detail, which is crucial for a role in credit management.
How to prepare for a job interview at cer Financial
✨Know Your Credit Fundamentals
Make sure you have a solid understanding of credit analysis, risk assessment, and the end-to-end credit process. Be prepared to discuss your experience with real estate and corporate lending, as this will be crucial for the role.
✨Demonstrate Leadership Skills
As a Deputy Head, you'll need to show that you can lead and mentor junior staff. Think of examples from your past where you've successfully trained or guided others, and be ready to share these during the interview.
✨Prepare for Technical Questions
Expect to be asked about credit structuring and risk mitigation strategies. Brush up on your knowledge of financial statements and be ready to analyse them on the spot, as this will showcase your analytical skills.
✨Showcase Your Communication Skills
You'll need to communicate effectively with various stakeholders, including during Credit Committee meetings. Practice articulating your thoughts clearly and concisely, especially when discussing complex credit proposals.
