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- Tasks: Lead credit risk quality assurance and ensure effective policy implementation across the bank.
- Company: Hampshire Trust Bank, a specialist bank focused on supporting UK businesses.
- Benefits: Competitive salary, private medical insurance, hybrid working, and generous annual leave.
- Other info: Join a high-performing culture with excellent career growth opportunities.
- Why this job: Make a real impact in a dynamic banking environment while driving innovation and change.
- Qualifications: Experience in credit risk analysis and strong analytical skills required.
The predicted salary is between 60000 - 75000 £ 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. The CR team provides management, control and execution of Credit Risk policy and related processes across HTB’s lending businesses in its chosen specialist industry sectors: Real Estate Investment and Development Finance (including bridging finance/short term lending) and Wholesale Finance (including Structured and Funds Finance and Block Discounting). Roles within the Credit Risk Team contribute to supporting 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 HTBs growing lending portfolio.
Key Responsibilities
- Lead the second line Credit Risk Quality Assurance activity, ensuring Credit Risk policies are effectively embedded across the first and second Line and providing early visibility of emerging credit and regulatory risks.
- Lead monthly meetings with first line business leaders to review and challenge QA outcomes and agree on appropriate corrective actions.
- Maintain strong, constructive and transparent relationships with all lending businesses.
- Provide ongoing feedback, guidance and targeted training to first line teams based on identified themes.
- Produce high quality, insightful and timely risk assurance reports for the relevant Committees.
- Support the provision of information to 3rd Line (Internal Audit) or the Regulators as required.
- Ensure the effective operation and governance of Credit Stewardship Oversight Forums, Transactional Credit Committee and Credit Committee, including process management.
- Support the Chief Credit Officer and the Head of Credit Risk Policy, QA and Frameworks with Credit Risk reporting and related governance activities.
- Lead the RCSA process for Credit Risk and act as the designated Risk Colleague.
- Assist in the organising credit training sessions across the Bank to address identified training requirements.
Required Skills & Experience
- Demonstrable and recent experience in credit risk analysis, oversight or underwriting and credit operations.
- Ideally candidates will bring experience from both Challenger bank and mainstream banking environments.
- Strong analytical skills with solid working knowledge of risk control systems, processes and reporting.
- Experience in producing high-quality credit risk reports for senior management.
- Evidence of relevant industry qualifications (e.g. CIA, CRMA, CFA or equivalent) preferred.
- Strong IT skills.
- Exceptional attention to detail, strong analytical capability and ability to distil complex information into clear and concise insights.
- Demonstrated ability to exercise balanced and independent judgement.
- Excellent planning, organisation, communication and influencing skills.
- Proven capability to drive change and champion innovation.
Benefits
- Competitive remuneration including discretionary annual bonus and annual pay review.
- Private Medical Insurance (Bupa).
- 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 memberships.
- Hybrid working (50/50 London).
- YuLife Rewards – retail, lifestyle & experience discounts.
- Pension scheme – 8% employer contribution (non‑contributory).
- Interest‑free season ticket loan.
- Annual volunteering day & Net Zero employer commitment.
Senior Manager - Credit Quality Assurance 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 Manager - Credit Quality Assurance in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and finance sector, especially those who work at Hampshire Trust Bank or similar companies. A friendly chat can sometimes lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by researching the company culture and values. Hampshire Trust Bank prides itself on integrity and excellence, so think about how your experiences align with these principles. We want to see you shine!
✨Tip Number 3
Showcase your analytical skills! Be ready to discuss specific examples of how you've tackled credit risk challenges in the past. We love candidates who can distil complex information into clear insights, so practice articulating your thought process.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of the Hampshire Trust Bank family.
We think you need these skills to ace Senior Manager - Credit Quality Assurance in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Manager - Credit Quality Assurance role. Highlight your experience in credit risk analysis and any relevant qualifications. We want to see how your skills align 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 working at Hampshire Trust Bank and how you can contribute to our vision. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: Since this role requires strong analytical skills, make sure to include examples of how you've used these in past roles. We’re keen to see how you’ve tackled complex information and turned it into clear insights.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it gives you a chance to explore more about life at HTB!
How to prepare for a job interview at Hampshire Trust Bank
✨Know Your Credit Risk Stuff
Make sure you brush up on your credit risk analysis and oversight knowledge. Familiarise yourself with the specific policies and processes at Hampshire Trust Bank, especially those related to their lending businesses. Being able to discuss these confidently will show that you're serious about the role.
✨Prepare for Scenario Questions
Expect to be asked how you would handle certain credit risk scenarios. Think about past experiences where you've had to exercise judgement or drive change. Prepare specific examples that highlight your analytical skills and ability to produce high-quality reports.
✨Showcase Your Relationship-Building Skills
Since maintaining strong relationships with lending businesses is key, be ready to discuss how you've successfully collaborated with teams in the past. Highlight any experience you have in providing feedback and training, as this will demonstrate your ability to support and guide others.
✨Ask Insightful Questions
At the end of the interview, don’t shy away from asking questions. Inquire about the current challenges the Credit Risk Team faces or how they measure success in their QA activities. This shows your genuine interest in the role and helps you understand if it’s the right fit for you.