The Line Manager for this vacancy is Warren Mockett so please contact him with any queries-
Job Description
Description of the Department:
The Group Credit Policy team is part of Group Credit Risk and is responsible for: - Developing and implementing Credit Policy using a risk based approach appropriate to the Group's activities and business ambitions-
- Providing leadership, challenge and support to division in their delivery of robust policies and best practice-
- Ensuring that credit policies are aligned with regulatory requirements-
- Co-ordinating and providng credit input to the Risk Academy and Operational Risk reporting-
Scope of Role: - The role encompasses all the Divisions in the development, approval and implementation of Group Credit Policy-
Purpose of 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-
- Provide direction and support to divisional credit risk staff
Requirements
Skills and abilities required for the role (Key LEP competencies and levels) - Analytical Thinking (1)
- Collaborating and Leveraging Relationships (1)
- Strategic Influencing (1)
- Communicating with Impact (1)
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-
Responsibilities
- 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
The Individual
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 RBS 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
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