Shawbrook Bank on cord

Shawbrook Bank

Senior Credit Manager

External position
London, UK
Hiring internally for Shawbrook Bank?
Banking · Finance
Banking for the real world.
Active
over 6 months ago
Posted
a month ago
Checked
cord regularly checks that external positions are still open
22 hours ago

Skills & Experience

Job roles: Finance/Accounting
Experience level: Senior, Lead
Core skills considered: Accounting software, Corporate finance, Financial reporting, Financial strategy
Other skills considered: Risk mitigation, Stakeholder Management, Business Analysis, Process management

Logistics

Base salary: Undisclosed
Some companies on cord are unable to disclose salaries publicly due to internal company policies. Message the company for salary information.
Employment type: Permanent
Remote working: Hybrid
Visa sponsorship: Not available

Job Description

The role is part of the Credit Risk Function which sits in the 2nd Line of Defence and is tasked with supporting the Chief Credit Officer "CCO" with credit risk decision making activities, the ongoing development, embedding and monitoring of the Bank's Credit Risk Management Framework and to ensure Credit Risk activities remain effective and relevant to the Bank's strategic objectives and the prevailing external economic environment. The role holder will be a Chair of Credit Approvals Committee "CAC", whilst also exercising a personal delegated lending authority. The role holder will act as the primary point of reference and technical expert primarily for Commercial Investment Real Estate, Specialty Finance and Asset Based Lending activities undertaken by the Commercial Banking Franchise. This will also involve being directly responsible for ensuring the adequacy and relevance of ongoing resourcing, recruitment and management of sector specific focused Credit Risk sanctioning teams. In addition to performing credit risk sanctioning decision making for specific transactions, the role holder will be responsible for the oversight of the ongoing credit risk performance of the said specific asset class portfolios, whilst being influential in the ongoing evolution and development of the quality of credit risk analysis and presentation undertaken by both 1st Line and 2nd Line, providing support and guidance where appropriate. Furthermore, the role holder will be integral to the continued development and evolution of credit risk processes and systems.


Key Responsibilities

Senior Leadership

  • Responsible for leading and managing a highly performing team, working collaboratively with the Deputy CCO and the other Credit Risk Team Head to coordinate the effective deployment of resource across the entire Credit Risk Function to ensure workloads are managed appropriately.
  • When required, take ownership and responsibility for the preparation and presentation of analysis and findings relating to specific matters to various internal and external stakeholders.
  • Identify, evaluate and formulate strategy and relevant action plans to drive process efficiencies, harnessing automation where possible across the Credit Risk Function.
  • Provide constructive and informed challenge to 1st Line proposed growth plans and any proposed change to sector risk appetite and policy.

People and Culture

  • Create a supportive and collaborative working environment, inspiring and motivating others.
  • Encourage and drive your own personal development, whilst providing support, guidance and encouragement to colleagues with a view to optimise their own ability and career aspirations where appropriate.
  • Responsible for your direct Team delivering a consistently highly effective performance, whilst ensuring this is not detriment to people's wellbeing.
  • Responsible for identifying and managing in an effective and supportive manner any individual under performance situation

Credit Sanctioning

  • Responsibility for the credit risk sanctioning decisions for a variety of transactions, often large (<=c a375m) and complex in nature, across a broad range of asset classes and structures, with a particular focus on Commercial Investment Real Estate, Speciality Finance and Asset Based Lending.
  • Responsible for ensuring all credit risk sanctioning decisions, both personally (either within individual discretion or as Chair of CAC), together with those of the Credit Risk Team are appropriately considered in a consistently balanced and duly informed manner.

Risk Committees

  • Direct involvement with the preparation of any papers relevant to the role for Approval, Noting or Discussion at the Bank's various Executive and Non-Executive Risk Committees.
  • Take ownership for the successful follow up of outstanding Action Points from any the relevant Committees. Act as a Member, or when required, as Chair of Credit Risk Oversight Committee and Watch & Impairment Committee, whilst representing Credit Risk at various other Committees as and when appropriate.

Credit Portfolio Monitoring

  • Analyse, review and comment on the performance of each asset class portfolio for which the role holder is directly responsible for, including monitoring of associated Watchlists and Impairments.
  • Monitoring and reporting on compliance with credit risk appetite and concentration risk limits

Quality Control & Assurance

  • Ensure each asset class the role holder is directly responsible for operates within both its own Asset Class Policy "ACP" and overarching Credit Risk Policies, identifying and reporting Credit Policy Exceptions as appropriate.
  • Oversight of the quality and standards of both 1st Line credit submissions and 2nd Line analysis and recommendations and / or approvals made within individual Delegated Authority.
  • Provide direction and input into the 2nd Line Credit Monitoring reviews and resultant reports

Credit Risk Policies

  • Work in conjunction with 1st Line in establishing and / or evolving those ACP's relevant to the role holder's areas of technical expertise, whilst ensuring these remain aligned to the Bank's Credit Risk Appetite Statement. Ensure constructive challenge is given where appropriate.
  • Providing guidance and support to the 1st Line in relation to the evolution, implementation and maintenance of their own processes, ensuring consistency and compliance with all Credit Risk policies.

Skills & Experience

  • In depth understanding of the financial services sector with specific focus on Credit Risk.
  • Strong capability in strategic thinking and developing solutions.
  • Strong understanding of compliance and banking regulations and Conduct Risk and how to deliver fair customer outcomes.
  • Strong understanding of Credit Risk appetite and Credit Risk management frameworks.
  • Ability to operate effectively on senior management Committees.
  • Demonstrating excellence, frankness, openness and transparency.
  • Developing people to support them to be the best that they can be.
  • Ability to develop strong and collaborative working relationships with all stakeholders.
  • Inspire respect, trust and commitment to business objectives with well-developed leadership and people management skills.
  • Demonstrates sound business/professional judgement through strength of character, independence of thought risk awareness and good values and behaviours.
  • Works well under pressure with the ability to prioritise and manage multiple and complex projects simultaneously.
  • High levels of drive, energy and personal commitment to success.
  • Creativity and innovation.

Key attributes

  • Leadership qualities - an ability to lead by example, motivate and encourage others to optimise the Team / individual's capabilities.
  • Collaboration - work in partnership with all stakeholders, adopting a supportive, proactive and "can do" approach, whilst providing constructive challenge, with the ultimate objective of reaching a mutually agreeable outcome.
  • Communication - exhibit strong communication skills, both verbally and written, with an ability to provide clear instructions and guidance, whilst possessing the ability to adapt the approach depending on the audience and / or circumstance
  • Technical expertise - Possess strong technical knowledge of Credit Risk and experience of the specific asset classes for which the role holder is responsible for.

Company Benefits

  • Contributory pension scheme (8% employer contribution)
  • Company-funded private medical cover (with option to add dependents at your own cost)
  • Access to Babylon – Digital GP Support 24/7
  • Employee Assistance Programme (EAP) available 24/7
  • Access to Peppy – personalised healthcare support
  • Access to Headspace to support your mental well-being
  • Cycle to Work scheme
  • Company sponsored health and financial well-being events
  • An inclusion community focused on supporting you in bringing your whole self to work
Your Lifestyle
It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and even when you’re not.
  • Minimum of 27 days holiday per year
  • Option to buy or sell holiday days through our flexi-holiday scheme
  • Day one entitlement for maternity & paternity and six months’ full maternity pay
  • Community and charitable giving plus one additional day’s leave to use for volunteering
  • Access to discounts on a range of high street and online brands plus gym memberships nationwide
  • Season ticket loans to help with the cost of commuting
  • We encourage hybrid working and promote a flexible blend of remote and office working
Your Development
We are passionate about the growth and development of our people so they can achieve their aspirations and be the best they can be.
  • Dedicated internal careers site
  • Access to a wide range of learning resources
  • Apprenticeships and support with professional qualifications in your chosen field
  • Management development and mentoring programme
Your Contribution
We reward those that go the extra mile in helping us achieve our goals.
  • Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
  • Recognition scheme focused on celebrating our success and thanking our colleagues for a job well done
  • Opportunity to have your voice heard, through regular engagement surveys, events and our People Engagement Forum
  • Like working here? Refer a friend for a role and get rewarded
Senior Credit Manager at Shawbrook Bank
Position posted a month ago

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Starling Bank on cord

Starling Bank

Full Stack Engineer (ML Ops)

London, UK
FinTech · Banking · Finance
A better bank for everyone
Active
over 6 months ago
Responds to
0% of requests
Responds in
1h 55m
Requests
7 pending

Skills & Experience

Job roles: Full Stack
Experience level: Mid, Senior
Core skills considered: Java, React, Redux, AWS, JavaScript

Logistics

Base salary: £70K - £110K
Employment type: Permanent
Remote working: Hybrid (up to 2 remote days p/w)
Visa sponsorship: Not available

Job Description

Starling is the UK’s first and leading digital bank on a mission to fix banking! Our vision is fast technology, fair service, and honest values. All at the tap of a phone, all the time.

Starling is the UK’s first and leading digital bank on a mission to fix banking! We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way.

We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.

Our technologists are at the very heart of Starling and enjoy working in a fast-paced environment that is all about building things, creating new stuff, and disruptive technology that keeps us on the cutting edge of fintech. We operate a flat structure to empower you to make decisions regardless of what your primary responsibilities may be, innovation and collaboration will be at the core of everything you do. Help is never far away in our open culture, you will find support in your team and from across the business, we are in this together!

The way to thrive and shine within Starling is to be a self-driven individual and be able to take full ownership of everything around you: From building things, designing, discovering, to sharing knowledge with your colleagues and making sure all processes are efficient and productive to deliver the best possible results for our customers. Our purpose is underpinned by five Starling values: Listen, Keep It Simple, Do The Right Thing, Own It, and Aim For Greatness.

Hybrid Working

We have a Hybrid approach to working here at Starling - our preference is that you're located within a commutable distance of one of our offices so that we're able to interact and collaborate in person. We don't like to mandate how much you visit the office and work from home, that's to be agreed upon between you and your manager.

Our Data Environment

Our Data teams are excited about the value of data within the business, powers our product decisions to improve things for our customers and enhance effective and agile decision making, regardless of what their primary tech stack may be. Hear from the team in our latest blogs or our case studies with Women in Tech.

We are looking for talented data professionals at all levels to join the team. We value people being engaged and caring about customers, caring about the code they write and the contribution they make to Starling. People with a broad ability to apply themselves to a multitude of problems and challenges, who can work across teams do great things here at Starling, to continue changing banking for good.

Requirements

We have built our entire banking platform in house and mostly in Java. We are looking for people who want to work on building the tooling that is used by our engineers on a daily basis.

We are looking for people who are truly full stack, and are as comfortable polishing their javascript front end as they are debugging the innards of their java applications database interactions, or standing up infrastructure with terraform. We are looking for people who can:

  • Design REST apis.
  • Code backend services, ideally using Java, or another other server side compiled language.
  • Develop modern front ends, ideally using React and Redux.
  • Get their code into the cloud and support it there, ideally on AWS.
  • Believe in clean coding, simple solutions, automated testing and continuous deployment.
  • Like to take ownership of a feature from the original idea through to live.
  • Think (like us) that a small number of empowered developers is the right way to deliver software.

Company Benefits

  • 33 days holiday (including flexible bank holidays)
  • An extra day’s holiday for your birthday
  • 16 hours paid volunteering time a year
  • Part-time and/or flexible hours available for most roles
  • Salary sacrifice, company enhanced pension scheme
  • Life insurance at 4x your salary
  • Hybrid/remote working
  • Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
  • Generous family-friendly policies
  • Varied social groups set up and run by our employees
  • Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
  • Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

Full details are available on our careers site

Interview Process

Interviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious. In general you can expect the below, following a chat with one of our Talent Team:

  • Stage 1 - 30 mins with one of the team
  • Stage 2 - Take home challenge
  • Stage 3 - 90 mins technical interview with two team members
  • Stage 3 - 45 min final with an executive and a member of the people team
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