Credit Risk Manager (Private Banking) in Slough

FirstBank UK is a globally recognised, top-tier bank providing world-class services to various institutions and individuals. Offering a comprehensive range of retail and corporate financial services/products, this thriving business has over 10 million active customers in over 700 business locations and is the oldest African bank in the UK. Due to business requirements, we are now looking to acquire the services of an experienced Credit Risk Manager to focus on Private Banking/UK Buy-to-Let segments. Please note that this role is hybrid with 3 days from the office and 2 days working from home.

Key Responsibilities:

• Process credit applications (including the use of financial spreads to risk rate client applications using the Moody’s Analytics model) and make recommendations, highlighting all risk issues pertinent to the credit decision.
• Critically and objectively assess and challenge credit applications and make well-considered recommendations to approving authorities.
• Justify credit decisions/recommendations (both verbally and in writing) and provide value-adding and constructive feedback on credit applications to Business and Credit colleagues.
• Participate in customer due diligence site visits, calls, and meetings. Prepare call reports for each visit/call/meeting within one week of the event.
• Ensure quick turnaround of credit requests while maintaining quality, accuracy and adherence to risk appetite, policies, and procedures.
• Prepare for and attend Risk Committee meetings as appropriate.
• Contribute to the RCSA process by reviewing credit processes and identifying areas that may have control failures and determine mitigants.
• Report operational risk incidences in line with internal guidance and reporting requirements.
• Contribute to the Credit Risk team’s Compliance and Audit readiness by ensuring that all external and internal correspondence is of high quality and all files (hard & soft copies) are maintained in line with the Bank’s requirements, formats, and standards.

Key Skills/Experience:

• Previous experience of Credit Risk analysis gained within a banking environment.
• Previous experience and/or knowledge working within Private Banking/UK BTL is mandatory.
• Strong understanding of end-to-end processing of various forms of credit requests.
• Knowledge of a broad range of products and client segments would be advantageous.
• Excellent understanding of UK Regulatory requirements for the provision of credit facilities and related credit controls.
• Exposure to frontier and emerging markets, preferably Africa, would be advantageous.
• Experience using Credit Risk Management systems/packages.
• Strong presentation skills as well as planning/organisational skills.
• Strong attention to detail.

In return we offer a fantastic benefits package including:

• Up to 10% employer pension contribution
• Life Assurance Cover
• Income protection
• Private Medical Insurance plan (upon successful completion of probation period)
• Contribution to glasses/contacts and eye testing
• Gym subsidy (up to £50 per month)
• Cycle to work scheme
• Electric Vehicles (EVs) salary sacrifice
• Employee Assistance Program
• Interest Free season ticket loan for travel
• Birthday Leave
• 25 days annual leave, rising to 28 after 3 years and 30 after 8 years’ service
• Holiday Trading scheme
• Give As You Earn (GAYE)

First Bank is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, gender reassignment, religion or belief, marital status, or pregnancy and maternity.