Credit Analyst - SME Lending
The role is part of the Credit Risk Function which sits in the 2nd Line of Defence and is tasked with supporting the Chief Credit Officer “CCO” with credit risk decision making activities, the ongoing development, embedding and monitoring of the Bank’s Credit Risk Management Framework and to ensure Credit Risk activities remain effective and relevant to the Bank’s strategic objectives and the prevailing external economic environment.
The role holder will report into the Deputy Chief Credit Office and will be a point of technical reference primarily for SME lending activities undertaken by the Commercial Banking Franchise. However, the role holder will have the opportunity to also support on other asset classes, including Real Estate investment and Development Finance as and when required. The role will also involve being afforded a delegated authority at the appropriate time.
In addition to performing credit risk sanctioning decision making for specific transactions, the role holder will be responsible for supporting the oversight of the ongoing credit risk performance of the lending portfolio, whilst supporting the ongoing evolution and development of the quality of credit risk analysis and presentation undertaken by both 1st Line and 2nd Line. Furthermore, the role holder will support the continued development and evolution of credit risk processes and systems
Key Responsibilities
Credit Sanctioning
- Responsibility for the analysis and assessment of credit risk for new money lending proposals with a primary focus on SME lending (secured and unsecured)
- Analyse, review and comment on the performance of individual transactions for the purpose of annual and interim reviews.
- Review and monitor action plans for Watchlist cases, together with any proposed change to respect impairment levels.
- Monitoring and reporting on compliance with credit risk appetite and concentration risk limits.
- Responsibility for ensuring all credit risk sanctioning recommendations and decisions as and when a personal delegated authority is afforded are appropriately considered in a consistently balanced and duly informed manner.
Credit Approval Committees
- Direct involvement with the preparation of any supporting papers relating to individual transactions submitted for discussion and approval.
- Articulate a balanced and decisive credit risk recommendation in accordance with 2nd Line responsibilities.
- Take ownership for the successful follow up of any outstanding Action Points from the respective Committee.
Quality Control & Assurance
- Ensure each transaction is aligned to the respective Asset Class Policy “ACP”, together with the overarching Credit Risk Policies, identifying and reporting Credit Policy Exceptions as appropriate.
- As and when required, participate in ad-hoc projects such as “Deep Dive” reviews of the potential impact on lending portfolios of one-off credit or macro-economic events.
People and Culture
- Actively participate in a supportive and collaborative working environment, inspiring and motivating others.
- Encourage and drive your own personal development, with a view to optimise your own ability and career aspirations where appropriate.
- Assist your direct Team in delivering a consistently highly effective performance, whilst ensuring this is not detriment to people’s wellbeing.
Qualifications
- An understanding of the financial services sector with specific focus on Credit Risk.
- Proven experience of SME Corporate or Commercial lending
- An understanding of compliance and banking regulations and Conduct Risk and how to deliver fair customer outcomes.
- Demonstrating frankness, openness and transparency.
- Ability to develop strong and collaborative working relationships with all stakeholders.
- Demonstrates sound business/professional judgement through strength of character, independence of thought risk awareness and good values and behaviours.
- Works well under pressure with the ability to prioritise and manage several tasks simultaneously.
- High levels of drive, energy and personal commitment to success.
- Creativity and innovation.
Education/Professional Qualifications
Shawbrook is committed to providing opportunities to all candidates and understand that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education.
Key attributes
- Collaboration– work in partnership with all stakeholders, adopting a supportive, proactive and “can do” approach, whilst providing constructive challenge, with the ultimate objective of reaching a mutually agreeable outcome.
- Communication – exhibit strong communication skills, both verbally and written, with an ability to provide clear instructions and guidance, whilst possessing the ability to adapt the approach depending on the audience and / or circumstance
- Technical expertise – Possess good technical knowledge of Credit Risk and direct experience of Real Estate Development Finance for which the role holder is responsible for.
Additional Information
Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
- Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
- Free access to Headspace, a mindfulness & meditation digital health app
- Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
- EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
- Cycle to work scheme
- Discounts on gym membership
- Contributory pension scheme & death in service
Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexi-holiday scheme
- Discounts on gym membership nationwide
- Access to discounts on a range of high street and online brands
- Community support and charitable giving
Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
- Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
- Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done