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Job Details
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| Senior Credit Manager |
| bs/9901fe9a/00056528 |
| RBS |
| Credit |
| Negotiable |
| London - UK |
South East
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| Permanent |
| 22/12/2011 21:05:00 |
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| Job Description |
Contact Email: Tracy-Skeetrbs-co-uk for further information on the role please contact Mark Atkins or Jason Drummond, 0207 672 1375
Job Description
Senior Credit Manager
Corporate Credit is the primary credit point of contact within Credit Risk, UKCB for Corporate Relationships, covering all exposures for approximately 5,000 borrowing connections across a wide range of sectors, with varying degrees of complexity- Prime responsibilities are: - Ensuring that all borrowing applications are assessed in accordance with Corporate Credit policy/processes/procedures, to achieve an appropriate balance between business growth and prudent risk management in order to maintain a high level of credit quality-
- Preparing detailed credit assessments on credit applications for sanction within authorised delegated discretions-
- Ensuring that robust processes are in place to monitor and control sanctioned advances and that the integrity of risk data systems are maintained-
- Identifying problem cases and recommending appropriate courses of action to minimise risk to the Bank-
- Where appropriate, to assist Corporate Business units in structuring and delivering complex lending transactions-
- Ensuring that all Credit Stewardship responsibilities are actioned, as necessary-
- Leading special projects as required and coaching, training and developing Credit Managers within Corporate Credit-
- Supporting Corporate Banking's drive to improve the credit skills base-
Requirements
Experience - Highly developed analytical and technical skills- Experience in a credit intensive role or in the use of personal lending discretion / sanctioning authorities would be preferred-
- Effective problem solving ability-
- Effective communication and interpersonal skills-
Technical Knowledge - Expert knowledge of business, financial and credit risk-
- Expert knowledge of Corporate lending processes, policy and procedures-
- Broad awareness of legal/accountancy/ key sector developments affecting customers in the Corporate sector-
- Understanding of relevant financial products and current developments within the financial marketplace-
- Expertise in the analysis and structure of complex borrowing applications for large Corporates-
Responsibilities
- Potentially, some line management responsibility for junior Credit Managers in Corporate Credit-
- Use of a personnal delegated authority - dependant on experience-
The Individual
As a Senior Credit Manager you will be an important part of a team making significant lending decisions- You'll be directly involved in processing lending applications from some sizeable business customers, assessing financial and other risk factors, to decide whether or not we proceed- You may be evaluating whether or not a current customer is heading for problems and at what point suitable action may need to be taken- You will gain a first-hand view of how experienced sanctioners work with other credit professionals, product specialists and relationship managers - whilst developing your own management potential- You will find yourself often challenged by a steep learning curve - you'll be faced with using your judgement as well as the technical analysis skills you will develop, to make, sometimes, difficult decisions that will need to be discussed with Relationship Managers and ultimately articulated, by them, to their customers- To broaden your perspective, you may be seconded to other parts of the Bank, to understand how our Credit partners and Relationship Managers operate and to gain experience of meeting our customers- From your involvement in the department's work, you will enjoy a real opportunity to influence the way we do things- You will be expected to deliver a consistent high-quality performance, often working under pressure and to tight deadlines- But in return, you'll acquire a valuable insight into many different types of business, and how they are effected by their competitors, the market place they operate in, and the wider economy-
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