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Cardiff (remote/hybrid working available)
The role:
A successful financial services business focused on savings and retail/commercial lending now wish to appoint a Credit Risk Oversight Officer. Reporting to a Senior Manager the role of Credit Risk Oversight Officer will be responsible for conducting thematic & ad hoc reviews and lesson learned evaluations into various areas of credit risk. Further responsibilities for Credit Risk Oversight Officer include...
- Provide input to, and support delivery of, the 2nd line annual assurance plan based on a risk-based assessment of key credit areas.
- Support the Credit Risk Oversight Manager on delivery of the risk management framework linking credit risk appetite & risk assessments to ensure they are integral to business decision making.
- Review and provide input to risk opinions on proposals from the business on credit risk matters, including strategy & product development.
- Credit Risk Oversight Officer will support the development, preparation and embedding of appropriate Committee MI reporting to enhance monitoring of credit risk across the business.
- Review, perform ad hoc data analysis, and provide insight into key drivers behind portfolio performance & underlying credit quality.
- Review and challenge credit related reporting, policies and processes across the full end-to-end credit lifecycle.
- Develop and maintain positive and effective working relationships with 1st line colleagues, providing advice, guidance and support
The Company:
- A leading UK business that retains & develops a large customer base and has a reputation for providing innovative finance products that help consumers and businesses fulfil their financial requirements.
The Person:
- Experience in a similar credit risk oversight or relatable secured credit underwriting role in a banking environment.
- Ideally demonstrating knowledge of Residential / Buy to Let Mortgage, and Commercial / Development Finance portfolios
- Proven data analytical skills within credit risk, mortgages, commercial finance & financial services etc.
- Strong attention to detail with excellent problem solving skills
- Ability to work effectively with other departments to ensure accurate results are consistently achieved
- Ability to work under pressure in order to meet deadlines
- Proficient user of MS Office
c£45k plus bonus, 15% pension, healthcare and 28 days hols
