Credit - Senior Manager, Credit Quality Assurance

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Credit - Senior Manager, Credit Quality Assurance

Job Description

Please note this role is part-time, 21 contracted hours a week.

To provide second line, credit risk oversight and reporting of the credit portfolio’s in Arbuthnot Latham. The role holder is responsible for assisting in the monitoring and reporting of credit portfolio performance against expected credit standards, policy and appetite, principally through Credit Quality Assurance (CQA) activity.

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers; and to comply with the FCA and PRA's Conduct Rules.

Key Responsibilities:

Embed the CQA framework across the lending portfolios, and maintain a CQA plan, appropriate to the credit risks involved.
Deliver the CQA Plan by undertaking regular reviews of the credit portfolios.
Lead Business Unit engagement on CQA reviews, providing feedback, insight, and observations on areas of improvement, and engaging with management to agree and deliver remedial actions as appropriate
Deliver reporting on CQA findings to credit committee with recommendations to improve credit risk management, as appropriate.
Provide second line oversight and challenge on the mortgage portfolio.
Support the Chief Credit Officer in second line credit risk management through the oversight of AL’s various credit portfolios, principally through regular CQA activity.
Assess the above for any adverse trends and provide appropriate and proportionate recommendations for any remedial action.
Attend regular governance meetings in support of second line oversight of the mortgage portfolio and provide input and challenge into arrears management and recovery strategies.
Prepare ad-hoc CQA submissions to Board / ExCo / Risk Committees and external Regulators, as required.
Support the annual review of credit policies and provide input and challenge into policy reviews, incorporating feedback from CQA reviews, portfolio monitoring, and other oversight activity as appropriate.
Support and where appropriate, lead the development of a strong credit risk culture in both people and systems and contribute to identifying training needs and provide training on credit risk, as required.
Support the Chief Credit Officer to assist in the delivery of the Risk Strategic plan and other project related activities.

Risk:

Responsible for managing risks inherent to the role by diligently observing internal policies and procedures

Key Interfaces:

Various internal stakeholders including ExCo and AL Directorate.
External stakeholders as required, including but not limited to Auditors, Regulators, and Solicitors.

Person Specification

Knowledge/Experience/Skills:

Extensive experience in Banking and in Credit Risk, across various credit asset classes and products.
Extensive experience of Credit Risk Management.
Significant experience of Credit Quality Assurance activity essential; able to adopt a forensic approach to investigative work and follow analysis / suspicions through to conclusion.
Significant experience of engaging and influencing senior stakeholders and Executives and reporting to ExCo / Board as required.
Extensive experience of Credit & Loans Administration across a range of businesses, sectors, and credit products.
Substantial understanding of the regulatory landscape and requirements applicable to credit risk and credit portfolio management.

Competencies:

Team Working
Influencing Others
Problem Solving and Judgement
Planning and Reviewing
Communication and Confidence

About Us

At Arbuthnot Latham, we seek proactive individuals who embrace high standards and bring the energy needed to drive success. In return, you can thrive in a dynamic environment that values your innovative ideas and provides the stability and support for your personal and professional growth. Our human-scale ethos means that everyone is recognised as an individual, not just a number, creating a workplace where you truly belong and thrive.

As a service led, relationship driven bank, in-person collaboration and wellbeing are important to us and drives our inclusive culture. With this in mind, our Agile Working Policy offers one day a week working from home.

Benefits

Competitive holiday allowance with the ability to buy / sell / rollover up to five days per year
Pension via market leading provider
Private Healthcare cover
4x Life Assurance
Discretionary Bonus
Access to a suite of flexible benefits including Cycle to Work Scheme, Gym Scheme, Health Assessment, Season Ticket / Travel loans and Dental insurance as well as other discounts / vouchers

Data Privacy and Reasonable adjustments

We take keeping your data security seriously. For more detail on how we may keep your data please refer to our Privacy Notice

https://careers.arbuthnotlatham.co.uk/files/RecruitmentPrivacyNotice.pdf

Reasonable adjustments: Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [email protected]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.

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