Credit Manager – Oversight, Governance & Projects

Redhill, Surrey
Shawbrook Bank
Enterprise Group Risk

Redhill, England, GB / Homebased

Posted on May 25, 2023

The Opportunity

Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.

We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for wedding and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords with multiple properties – no two customers are ever the same.

We give our customers the best-of-both worlds; uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to make things happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.

If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person

Work with us because you:

Want to be part of a bank built for the dynamics of the modern world
Relish a challenge and enjoy a fast-paced, innovative, and hardworking culture
Enjoy finding new and better ways to solve complexity and make things happen
Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
Care about society and the environment and want to be part of a business that cares too
Want to continue to grow professionally and be the best version of yourself
The Role & Responsibilities

This is a varied and exciting role in the Enterprise SME – Risk team which covers three areas of responsibility: oversight of portfolio and thematic performance, maintenance and adherence to Credit Policy & Framework governance requirements, and contributing Credit Risk subject matter expertise to projects. This specific role will have an focus on the Governance side re documenting policy, process and procedure but will also be involved in the other activities of the department.

Governance

The Credit Risk Management Framework underpins how all lending undertaken by the business unit, and requires regular review, refinement and refreshing to ensure it remains appropriate and relevant to the changing risk environment. The role holder will be responsible for ensuring the Framework requirements are translated into local policies and procedures to ensure adherence: Specific responsibilities include:

Reviewing and/or writing / amending, as needed, the policies and procedures needed in each of the lending/portfolio areas of Enterprise SME to ensure the credit risk management and governance documents are current, fit for purpose and aligned with the stated Risk appetites
Supporting the embedding of Credit Policies across the business; seeking solutions to operational challenges as required
Providing guidance and support to the origination and portfolio teams about the evolution, implementation, and maintenance of their own processes, ensuring consistency and compliance with all Enterprise and Group level policies
Be involved with adhoc Policy and related matters when required

Oversight

The Enterprise-SME business operates across multiple specialist lending areas with both origination and portfolio relationship teams supporting customers and local risk management activities. Under the direction of the SME Head of Origination, Governance & Projects, the role-holder will contribute to building a regimen of product, sectoral and/or thematic hot spot reviews to oversight the credit qualities of the loan books. In turn, the outcomes of these reviews will feed into the credit policies and frameworks which govern the business’s adherence to state risk appetite thresholds.

Projects

Assist with projects where 1LOD Credit / Risk input is required. These can be varied and may require regular attendance at meetings, inputting subject matter guidance where appropriate
Assist with resolving actions arising from QA/QC reviews by 3rd, 2nd and 1st line quality assurance teams
The Person
Holder of university degree (ideally Finance related) and/or the equivalent combination of education and experience. Ideally supported by an appropriate professional qualification held in Banking/Risk management
Experience of SME banking systems, policy, operations, Credit oversight, underwriting requirement and products
Background of operating and managing within a control environment and compliance with operating procedures and risk policies. An understanding of credit risk appetite and risk management frameworks
Ability to communicate effectively both orally and in writing with all levels of management. Good presentation skills (including drafting reports).
A good understanding of the current regulatory regime applicable to banking institutions
Understanding of Credit Risk policies and processes for a Financial Services business
Adopting the values and behaviours that exemplify the corporate culture
Ability to develop strong working relationships with Group Risk, Enterprise portfolio teams and wider stakeholders across the Bank
Demonstrate sound business/professional judgement through strength of character, independence of thought risk awareness and good values and behaviours
Ability to prioritise and manage / contribute to multiple and complex projects simultaneously
Financial acumen
Good influencing skills
Reward

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