£70000.00 - £75000.00 per annum
6 months ago
A prosperous and challenging role has presented itself within an international banking giant. The Credit Director who is successful will be rewarded with full autonomy of the position, a comprehensive compensation package, luxurious benefits and job satisfaction.
The incumbent will be responsible for:
? Acting as departmental Head to manage workflows and oversee the performance of the Credit Team
? Working with Head of Private Banking and RMs to understand the client objectives and ensure compliance with the necessary business and regulatory standards
? Developing and regularly reviewing the credit policies and procedures for the London Branch with particular reference to real estate lending and Lombard lending
Team Structure and Reporting Lines
The Credit Director reports to the Head of Private Banking who provides day to day management and guidance to this position under UK Law and Regulations.
? Work closely with Head Office credit team on transactions
? Ensure all reviews and renewals are managed efficiently
? Increase the London lending book by successfully processing applications originated by the Private Banking team.
? Senior adviser to RM's on credit application to facilitate approval of credit facility
? Assist the Relationship Managers to develop and retain client relationships while contributing actively to the business development and financial goals of the branch.
? Overseeing the drafting and negotiation of documentation for credit facilities.
? Manage recovery process to minimize losses
? Assist the Head of Private Banking with credit responsibilities including reviewing Excess Reports.
? Assessing credit applications and credit risk in accordance with PB credit policy.
? Deputise for and support other team members by attending to clients' needs in their absence whilst adhering at all times to the FCA competencies requirements.
? Expected to deal effectively with clients and professional advisers i.e. attend client meetings with RMs, deal with external Lawyers and occasional property visits as required by RM's.
? Assisting and oversight of the preparation of Facility Applications, credit reviews, preparation of loan documentation and negotiation of credit terms.
? Remains informed about market trends, customer preferences and new products. Contributes to all aspects of the marketing mix including product development
? Assist in preparing necessary reports for the Branch Risk Committee.
? Safeguard the reputation of the bank by employing best practice and acting in a professional manner at all times. Ensure that a high level of confidentiality is maintained at all times.
? Developing the real estate lending process for the company, and maintaining the loan book in good order.
? Meet client satisfaction and service quality levels by performing administrative tasks effectively to fulfil client requirements.
? Liaise with Credit Administration Team (CRAD) to ensure facility/loans are processed accurately.
? Responsible day to day management of Credit Team and all employee matters
? Developing, training staff and handling performance related issues Head of Unit and Human Resources
? Ensure the credit book is being managed effectively by each team member
Please get in touch if you are interested!