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- Tasks: Lead credit risk strategy and ensure compliance with regulatory requirements.
- Company: Hampshire Trust Bank, a specialist bank focused on supporting UK businesses.
- Benefits: Competitive salary, private medical insurance, hybrid working, and generous annual leave.
- Why this job: Make a real impact in the banking sector while developing your leadership skills.
- Qualifications: Extensive experience in credit risk roles and strong analytical skills required.
- Other info: Join a dynamic team with a commitment to positive customer outcomes and career growth.
The predicted salary is between 72000 - 108000 £ per year.
Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. We offer niche specialty lines, as a SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper. We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go‐to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high‐performing culture grounded in excellence and integrity.
About the Department
The Credit Risk Team sits within the 2nd Line of Defence Risk and Compliance function, and provides management, control and execution of Credit Risk policy and related processes across HTB's portfolio of lending exposures in its chosen specialist industry sectors including Real Estate Investment and Development Finance (including bridging finance/short term lending), Asset Finance, and Wholesale Finance (including Structured and Funds Finance and Block Discounting). The incoming hire will directly support the Chief Risk Officer and Bank Executive by making a significant contribution to the design and execution of credit risk strategy/related processes, providing a centre of excellence for underwriting and credit approvals, undertaking credit quality assurance, and maintaining a detailed oversight and understanding of HTB's growing portfolio of lending exposures. The working pattern of this role is hybrid, with an expectation to be in the London office a minimum of 50% of the time.
Key Responsibilities
- Maintain a credible and coherent framework for the management and oversight of credit risk, including supporting the CCO with maintaining the Credit Risk Management Framework and supporting Credit Risk Policies.
- Support the CCO to manage ICAAP requirements for Credit Risk. Ensure that regulatory requirements, as required to support strategic aims including liquidity and capital support schemes (e.g. ILTR funding), are in place from a credit risk view.
- Manage credit risk assurance activity for the Second Line.
- Support the effective running of Credit Committee and Transactional Credit Committee.
- Manage, challenge and aid in the design, updating and maintaining Credit Risk Framework, Policies and Processes.
- Support to ensure Credit Risk reporting and reviews are appropriate and timely.
- Provide early visibility of emerging credit risks including regulatory driven risk effects.
- Support the development of an appropriate risk culture within the business.
- Develop a strong, positive and open working relationship with the Bank's lending businesses.
Required Skills & Experience
- Significant leadership experience in senior credit risk roles including Credit Sanctioning and Credit Risk Frameworks (candidates will ideally have experience gained across both Challenger Bank and mainstream bank roles).
- Strong awareness of the regulatory framework (including IFRS9, risk weighting methodologies and potential changes).
- Diverse knowledge of the financial, business, economic and property markets with an emphasis on SME markets.
- Proven analytical skills with a strong working knowledge of risk control systems, processes and reporting.
- Demonstrates a good understanding of portfolio data, analytics and risk profiling (ideally alongside a good awareness of risk modelling techniques including PD/LGD models).
- Strong leadership capabilities alongside proven communication abilities evidenced by management and motivation of risk and front line relationship teams.
- Evidenced industry qualifications – ACIB or similar related qualifications.
Benefits
- Competitive remuneration
- Discretionary annual bonus
- Private Medical Insurance (Bupa)
- Pension scheme – 8% employer contribution (non-contributory)
- Mental health & wellbeing support via YuLife & Bupa
- 25 days annual leave (increasing with service) + Holiday Buy Scheme
- Cycle to Work Scheme & Green Car Scheme
- Enhanced family leave policies
- Study support & professional membership
- Hybrid working (50/50)
- YuLife Rewards – discounts on retail, lifestyle & experiences
- Interest‐free season ticket loan
- Annual volunteering day & Net Zero employer commitment
Seniority Level: Executive
Employment Type: Full‐time
Job Function: Other
Industries: Banking
Senior Head of Credit Risk Policy, Quality Assurance and Frameworks in London employer: Hampshire Trust Bank
Contact Detail:
Hampshire Trust Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Head of Credit Risk Policy, Quality Assurance and Frameworks in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and credit risk sectors. Attend industry events or webinars, and don’t be shy about asking for informational interviews. We all know that sometimes it’s not just what you know, but who you know!
✨Tip Number 2
Prepare for those interviews by researching Hampshire Trust Bank inside out. Understand their credit risk policies and recent developments in the SME market. We want you to show them you’re not just another candidate, but someone who genuinely cares about their mission and values.
✨Tip Number 3
Practice your answers to common interview questions, especially around leadership and credit risk frameworks. We suggest doing mock interviews with friends or mentors to build your confidence. The more you practice, the more natural it will feel when it’s your turn to shine!
✨Tip Number 4
Don’t forget to follow up after your interviews! A simple thank-you email can go a long way in keeping you top of mind. We recommend mentioning something specific from your conversation to show you were engaged and are genuinely interested in the role.
We think you need these skills to ace Senior Head of Credit Risk Policy, Quality Assurance and Frameworks in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the role of Senior Head of Credit Risk Policy. Highlight your leadership experience and any relevant qualifications that align with the job description. We want to see how your background fits perfectly with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your skills can contribute to our vision at Hampshire Trust Bank. Keep it engaging and personal – we love to see your personality come through!
Showcase Your Achievements: When detailing your experience, focus on specific achievements that demonstrate your expertise in credit risk frameworks and quality assurance. Numbers and outcomes speak volumes, so don’t shy away from sharing your successes with us!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you're keen and ready to take the next step in your career with us!
How to prepare for a job interview at Hampshire Trust Bank
✨Know Your Credit Risk Stuff
Make sure you brush up on your knowledge of credit risk frameworks and policies. Familiarise yourself with the regulatory requirements like IFRS9 and how they impact credit risk management. Being able to discuss these topics confidently will show that you're not just a candidate, but a potential leader in the field.
✨Showcase Your Leadership Skills
As a Senior Head of Credit Risk Policy, you'll need to demonstrate strong leadership capabilities. Prepare examples from your past experiences where you've successfully managed teams or projects. Highlight how you motivated your team and navigated challenges, as this will resonate well with the interviewers.
✨Understand the Business Landscape
Get a good grasp of the SME market and the specific sectors Hampshire Trust Bank operates in. Research their lending practices and recent developments in the industry. This knowledge will help you tailor your responses and show that you're genuinely interested in contributing to their mission.
✨Prepare Thoughtful Questions
Interviews are a two-way street, so come prepared with insightful questions about the role and the company. Ask about their approach to emerging credit risks or how they foster a positive risk culture. This not only shows your interest but also helps you gauge if the company aligns with your values.
