At a Glance
- Tasks: Oversee risk management and provide independent challenge to ensure financial strength and compliance.
- Company: Customer-focused mortgage lender with a commitment to sustainable growth.
- Benefits: Competitive salary up to £84K, generous pension, health benefits, and hybrid working.
- Other info: Opportunity for career growth in a supportive environment.
- Why this job: Join a dynamic team and make a real impact on risk management in the mortgage sector.
- Qualifications: Experience in prudential risk and strong analytical skills required.
The predicted salary is between 72000 - 88000 £ per year.
- Manchester - Hybrid - 2-3 days in the office each week
- Salary to £84K dependent on experience + strong benefits
Our client is a highly customer focussed mortgage lender who are recruiting for a Prudential & Credit Risk Manager.
You will provide independent oversight and constructive challenge across prudential and mortgage credit risk, helping to safeguard the company's financial strength, capital position and regulatory compliance.
The role works closely with the Chief Risk Officer to strengthen the overall risk management framework, identify and address emerging risks, and support the organisation's objectives for sustainable growth.
Key responsibilities of the Prudential & Credit Risk Manager include
- Plan and organise second-line reviews of regulatory documents, focusing on key risk areas and governance priorities.
- Lead deep-dive analysis of credit, prudential, liquidity, capital, market and balance sheet risks, identifying emerging risks and trends.
- Provide constructive, independent challenge to Finance, Treasury, Underwriting, and Risk teams.
- Prepare concise risk dashboards, reports and data packs for Credit Committee, ALCO and other governance committees.
- Challenge regulatory reporting, data quality and the controls supporting regulatory submissions.
- Oversee underwriting standards and credit risk appetite across residential mortgages, BTL and complex niche lending.
Required skills & experiences
- You will be a second-line risk professional from a mortgage lender or smaller bank, with strong hands-on experience across prudential risk.
- ICAAP/ILAAP, capital, liquidity, stress testing, risk appetite and portfolio credit risk exposure is essential.
- You will be able to show proven experience of challenging first line and presenting to senior risk/Board committees.
This is a great opportunity for a Prudential Risk specialist who has been exposed to the whole balance sheet from second line and has ample mortgage credit expertise to challenge underwriting and portfolio risk.
In return you can expect a competitive salary and benefits incl. generous pension, health benefit and much more.
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Prudential & Credit Risk Manager employer: Ultimate Banking
Join a dynamic and innovative mortgage lender in Glasgow, where you will be part of a collaborative and high-performing team dedicated to operational excellence. With a strong focus on employee growth, the company offers excellent benefits, a hybrid work model, and opportunities to lead impactful projects that enhance customer service. This is not just a job; it's a chance to contribute to a rapidly growing business with ambitious plans for the future.
