Purpose of the role:

As a key member of the Group Credit Policy team

• To provide challenge and support for the Divisional credit policy functions in their delivery of robust and consistent    policies and best practice.

• To develop and implement Group Credit Policy using a risk based approach supportive of business ambitions.

• To support effective and efficient communication of and compliance with Group credit policies.

Deliverables:

 • Development and approval of new and updated Group Credit Policies providing a qualitative expression of risk appetite through extensive collaboration with the relevant Group Portfolio and divisional experts.

• Review and recommendation with regard to policy exceptions

• Work collaboratively with the divisions to review, support and challenge Divisional policy proposals

• Conduct relevant analysis and produce reports, discussion papers that set out recommendations for Executive approval with regards to credit policy

• Ensure appropriate credit policy response to relevant regulatory developments

Critical Competencies: skills and abilities required for the role

• Analytical Thinking

• Collaborating and Leveraging Relationships

• Strategic Influencing

• Communicating with Impact

Experience:

The job holder is required to have prior experience in:

• Policy formulation or implementation

• Working in cross divisional teams

• Work in a front line and/or credit department role covering Corporate and/or Retail customers

• Diverse operating environments e.g. experience in more than one division within the Bank and/or other organisations

• Retail Credit Risk management experience preferred

Other Significant Role Requirements:

• Able to engage, communicate and influence effectively with experienced credit risk professionals and to develop good networks across Group and divisional risk  

• Able to develop pragmatic approaches that meet potentially conflicting demands of key stakeholders

• Confident presenter

• Able to write in plain English

• Negotiation skills

Scope of Role:

• The role encompasses all the Divisions in the development, approval and implementation of Group Credit Policy.

Technical Knowledge:

• Comprehensive understanding of Credit risk.

• Good understanding of tools, techniques and methodologies used to measure and report on credit risk.

• Good product level knowledge

• Extensive understanding of the external operating environment, regulatory and legal practices.