At a Glance
- Tasks: Lead the Credit Risk function, managing risks and developing strategies for real estate transactions.
- Company: Join a dynamic private equity firm focused on innovative real estate financing.
- Benefits: Competitive salary, professional development, and opportunities for global impact.
- Other info: Collaborative culture with excellent career growth and training opportunities.
- Why this job: Shape the future of credit risk management in a fast-paced environment.
- Qualifications: Extensive experience in credit risk, real estate financing, and strong communication skills.
The predicted salary is between 60000 - 75000 £ per year.
Objectives: Accountable for the Credit Risk function across the Shojin Group of companies, including reviewing the structuring of real estate transactions and managing risks across the company’s portfolio. This position requires a seasoned risk professional with extensive experience in real estate financing, restructuring and recovery strategies within the private equity sector. Show strong commercial acumen and operational discipline in implementing and monitoring the function through robust systems and controls to support business expansion in the UK and globally.
Responsibilities:
- Risk Assessment: Working closely with Origination to ensure systems are in place to analyse credit risk of potential borrowers and to manage the credit risk within the existing portfolio of loans.
- Credit Framework: Develop and implement credit policies and lead the credit approval process by recommending appropriate credit limits and terms.
- Monitoring and Reporting: Build systems to ensure continuous monitoring of the credit portfolio to identify potential risks, and prepare reports on credit risk exposure, trends, and compliance with established credit policies.
- Risk Mitigation: Design and implement strategies to mitigate credit risks on new and existing deals via areas such as setting up collateral requirements and negotiating loan covenants.
- Regulatory Compliance: Ensure adherence to relevant laws, regulations, and industry standards related to credit and risk management.
- Collaboration: Close working relationships to be established with other departments, such as origination and legal to ensure Credit supports the borrower assessment process.
- Communication: Work closely with other departments, such as origination, investments and operations, to communicate credit decisions and understand business requirements.
- Technology: Utilize credit risk management software and tools to analyse data and improve decision-making processes.
- Training & Development: Provide guidance and training to team members to enhance their understanding of credit risk management, particularly to understand the learning from restructurings and recoveries.
- Crisis Management: Develop strategies for dealing with customers in financial distress and support the NPL AD on recovery and restructuring plans if necessary.
- Management: Lead the credit risk function including NPLs and Portfolio management and participating in the monthly Management & Risk Committee.
- Stakeholder Engagement: Engage with internal and external stakeholders, including auditors and regulators, to ensure comprehensive risk management practices.
Essential Skills:
- Attention to Detail: Crucial for identifying potential risk issues and credit risks.
- Regulatory Knowledge: In-depth understanding of regulations and other relevant financial laws, including the insolvency process and relevant laws.
- Communication: Effective communication skills to provide clear guidance and training.
- Ethics and Integrity: High ethical standards to ensure unbiased and fair compliance practices.
Head of Credit Risk in Cardiff employer: Shojin
At Shojin Group, we pride ourselves on being an exceptional employer that fosters a collaborative and innovative work culture. As the Head of Credit Risk, you will have the opportunity to lead a critical function within a dynamic team, driving meaningful impact in real estate financing while benefiting from comprehensive training and development programmes. Our commitment to employee growth, coupled with our strategic location in the UK, ensures that you will thrive in a supportive environment that values integrity and excellence.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit Risk in Cardiff
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Shojin. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of Credit Risk in Cardiff
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Shojin.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Shojin's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Shojin
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Shojin.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Shojin will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Shojin employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
