Credit Risk Senior Manager - Real Estate
Credit Risk Senior Manager - Real Estate

Credit Risk Senior Manager - Real Estate

London Full-Time 43200 - 72000 £ / year (est.) No home office possible
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At a Glance

  • Tasks: Lead credit risk assessments and manage a team to ensure compliance and quality.
  • Company: Join a well-established international bank with over 50 years of success across four continents.
  • Benefits: Enjoy competitive pay, career growth opportunities, and a dynamic work environment.
  • Why this job: Make an impact in real estate lending while working in a supportive and innovative culture.
  • Qualifications: Experience in credit risk management and knowledge of UK regulatory standards required.
  • Other info: Opportunity to participate in global credit committees and influence key decisions.

The predicted salary is between 43200 - 72000 £ per year.

Job Description

This well-established international bank, celebrating over five decades of successful operations in key international markets, operates with a strong foundation of traditional values and modern banking practices. With a presence across 11 countries and four continents, it provides a broad range of financial services tailored to corporate, commercial, and personal banking needs. The institution maintains a global footprint through branch offices, subsidiaries, service companies, and representative offices spanning Europe, Asia, Africa, and North America. Its services include FI, capital markets, trade finance, wealth management, Real estate banking, and treasury solutions.

This role reports to the Head of Credit, who in turn reports to the Chief Risk Officer / SMF4.

Responsible for ensuring credit quality at the approval stage, monitoring the ongoing credit dynamics of the credit portfolio at a macro and micro level post sanction and the compliance of credit risk with Group policy and local regulatory guidelines. The jobholder will be able to demonstrate a full understanding of the UK regulatory environment and the principles of secured commercial lending with particular emphasis on the SME segment of the UK market. Responsible for keeping up to date the Bank’s credit approval framework, including establishing the independent credit risk approval process to identify, assess, monitor, measure and control credit risk at the front end application stage; coordinate with all control functions to obtain updates on regulatory and operational changes pertaining to the bank’s credit risk; create KPIs for credit risk portfolio performance and team efficiency and effectiveness; facilitate the development of clearly defined & updated policies & procedures for credit approval; manage key credit reporting internally to UK & Zurich and external reporting to Auditors, regulators and relevant stakeholders; assume responsibility for the timely review of process/products/credit facility applications; provide timely and accurate information to the external and internal auditors and the compliance function as and when required.

Responsibilities:

  • Establish structured end to end independent review process for Credit Approval Unit
  • Establish key performance metrics for the Credit Approval Unit – relating to Risk Mitigation, Quality & Comprehensiveness of Review & Efficient & Effective Processing of Credit proposals.
  • Objectively assess credit proposals, identifying key risk issues and researching a reasoned conclusion. •Approve credit proposals within delegated authority.
  • 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 toproposals.
  • To minute credit decisions in CCC meetings, recommend urgent credit requests to CCC members through circulation, andcommunicate credit decisions to CAD in an efficient and effective way.
  • Review credit policies and procedures and update them in line with Group requirements, industry trends, regulatoryrequirements, improved risk management & risk mitigation.
  • Provide support to the Head of Credit, including deputising and representing the department at both Country and Global Credit Committees.
  • Assess a variety of real estate lending proposals, including commercial and residential buy-to-let (BTL) loans, commercial mortgages, and trade finance facilities.
  • Lead and manage the Credit Monitoring Team and the Credit Approval Unit, overseeing a team of six.
  • Review and recommend enhancements to credit policies and processes to increase operational efficiency.
  • Serve as a voting member of the Country Credit Committee and the Watchlist Committe.

Credit Risk Senior Manager - Real Estate employer: MARKET TALENT

As a Credit Risk Senior Manager at this esteemed international bank, you will thrive in a dynamic work environment that values both traditional banking principles and modern practices. The company fosters a culture of collaboration and innovation, offering extensive employee growth opportunities through professional development programmes and mentorship. With a global presence and a commitment to excellence, you will enjoy the unique advantage of working in a diverse team while contributing to impactful financial solutions in the real estate sector.
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Contact Detail:

MARKET TALENT Recruiting Team

StudySmarter Expert Advice 🤫

We think this is how you could land Credit Risk Senior Manager - Real Estate

✨Tip Number 1

Familiarise yourself with the UK regulatory environment and secured commercial lending principles, especially in the SME segment. This knowledge will not only help you during interviews but also demonstrate your commitment to understanding the role's requirements.

✨Tip Number 2

Network with professionals in the credit risk and real estate banking sectors. Attend industry events or join relevant online forums to connect with individuals who can provide insights into the role and potentially refer you to opportunities within their organisations.

✨Tip Number 3

Prepare to discuss your experience in managing credit approval processes and team leadership. Be ready to share specific examples of how you've improved operational efficiency or enhanced credit policies in previous roles.

✨Tip Number 4

Stay updated on current trends in real estate lending and credit risk management. Being knowledgeable about recent developments will allow you to engage in meaningful discussions during interviews and show that you're proactive about your professional growth.

We think you need these skills to ace Credit Risk Senior Manager - Real Estate

Credit Risk Assessment
Real Estate Financing
Regulatory Compliance
Portfolio Management
Analytical Skills
Decision-Making Skills
Communication Skills
Leadership Skills
Performance Metrics Development
Credit Policy Review
Stakeholder Management
Team Management
Problem-Solving Skills
Attention to Detail
Understanding of UK SME Market

Some tips for your application 🫡

Tailor Your CV: Make sure your CV highlights relevant experience in credit risk management, particularly in real estate and SME lending. Use specific examples that demonstrate your understanding of the UK regulatory environment and secured commercial lending.

Craft a Compelling Cover Letter: Write a cover letter that clearly outlines your motivation for applying to this role. Emphasise your expertise in credit approval processes and your ability to manage teams effectively. Mention any relevant achievements that showcase your skills.

Showcase Your Analytical Skills: In your application, provide examples of how you have objectively assessed credit proposals in the past. Highlight your ability to identify key risk issues and your approach to developing KPIs for credit risk portfolio performance.

Highlight Leadership Experience: Since this role involves leading a team, be sure to include any previous leadership or management experience. Discuss how you have successfully overseen teams and contributed to improving operational efficiency in credit processes.

How to prepare for a job interview at MARKET TALENT

✨Understand the Regulatory Environment

Make sure you have a solid grasp of the UK regulatory landscape, especially as it pertains to credit risk and secured commercial lending. Be prepared to discuss how these regulations impact decision-making in credit approval.

✨Showcase Your Analytical Skills

Be ready to demonstrate your ability to objectively assess credit proposals. Prepare examples from your past experience where you identified key risk issues and reached reasoned conclusions based on your analysis.

✨Familiarise Yourself with Real Estate Lending

Since the role involves assessing various real estate lending proposals, brush up on your knowledge of commercial and residential buy-to-let loans, as well as commercial mortgages. Being able to discuss these topics confidently will set you apart.

✨Prepare for Team Leadership Questions

As you'll be leading a team, expect questions about your leadership style and experience. Think of specific instances where you've successfully managed a team, improved processes, or enhanced operational efficiency in a previous role.

Credit Risk Senior Manager - Real Estate
MARKET TALENT
M
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