Credit analyst Work, Jobs in Edinburgh (with Salaries)

Head of Credit, Edinburgh or London
Hampden Bank —Edinburgh
- Management
- Team management
- Leadership
- Annual leave
- Employee assistance programme
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Head of Credit, Edinburgh or London

Hampden Bank -
Edinburgh

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Job details

Benefits

Cycle to work scheme
Season ticket loan
Free flu jabs
Annual leave
Company pension
Employee assistance programme
Private medical insurance
Car scheme

Qualifications

Management
Team management
Leadership
Communication skills
Banking

Full job description

Join our team

As a growing and ambitious company with an inclusive culture, we seek people to join our team who share . To deliver the exceptional levels of service we expect, our colleagues think of our clients, take ownership of their responsibilities and work together to deliver at pace. We call this ‘The Hampden Way’.

In return, we offer exciting career opportunities through professional and personal development, within a challenging and supportive environment. We also offer an excellent range of employee benefits.

Head of Credit, Edinburgh or London

JOB PURPOSE

The Head of Credit plays a critical role in managing the credit risk in the Bank and ensuring sound credit stewardship within the Banking team. Reporting directly to the Chief Banking Officer, this leadership role is responsible for first line risk management of the Bank’s lending, authorising delegated credit discretion to Bankers and the overall quality and compliance of the credit book. The role is designated a Material Risk Taker for the Bank.

MAIN RESPONSIBILITIES / KEY DUTIES

Leadership and Management

As a member of the Banking Senior Management Team, contribute to the leadership of the function driving the Bank’s strategy and business objectives.
Supported by two Senior Sanctioning Officers oversee the quality of lending analysis and decision making of the Banking team.
Work closely with the Heads of Banking to ensure positive development of credit skills and capability.
Approve credit proposals above delegated discretion levels and below Credit Committee levels.
Member of the Bank’s Credit Committee.

Operational Excellence

Head of Credit, along with first and second line colleagues, will take part in a project to rework of the Bank’s lending policy and procedures with the objective of enabling easier decision making, streamlining processes, report writing, and improving the quality of output.
Assure the quality of credit decisions with ongoing feedback and development training with banking team.
Assure the quality of “in life” credit management including early identification of financial difficulties. E.g. Annual reviews, refer list management, etc.
Ensure clients displaying early signs of distress/deterioration in credit quality are added to the ‘Watchlist’ and afforded the appropriate support and attention.
Work with Credit Risk team on all relevant areas of credit management e.g. health of the credit portfolio, risk appetite, policy and distress/arrears management.
Drive ongoing standardisation of efficient processes, workflows, and ways of working across all aspects of the credit process.
Ongoing execution and management of credit function controls in relation to the Bank’s lending, and documenting this using the Bank’s Risk and Control Self-Assessment system.

Training and Competency

Provide regular and relevant training to Banking team.
Along with the Head of Credit Risk determine and deliver thematic and specialised training to help the Bank fulfil its strategy.

Collaboration and Continuous Improvement

Work with the Credit Risk Team to identify opportunities for improvement and issues that need addressing
Present the status of the credit portfolio and ongoing risk management to relevant committees
Work with the Heads of Banking teams to provide feedback on Banker’s performance with lending
Support organisational projects and strategic initiatives, ensuring the team’s alignment and contribution to broader business goals.
Build and maintain constructive and effective relationships across the business in line with the Bank’s culture and behaviours.
Work closely with the Head of Product for lending to develop the bank’s proposition and policies.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

Proven leadership and team management experience.
Experience of working with all levels of seniority within Banking and specifically credit risk.
Strong understanding of lending and credit risk management including arrears and distressed credits.
Ability to manage workload planning and project capacity effectively.
Strong interpersonal and communication skills, with the ability to influence and collaborate with stakeholders at all levels.
Commitment to fostering a high-performance culture and developing team capabilities and competence.
Knowledge of relevant regulatory and compliance requirements within the banking industry. MCOB would be helpful. Ideally CeMAP qualified.
Technical specialist and strong ability to apply knowledge of credit risk control systems, processes and reporting.

Interested in working at Hampden Bank?

If you would like to know more about the roles available or about working at Hampden Bank, please contact our People Team.

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credit analyst jobs in edinburgh

Head of Credit, Edinburgh or London

Credit Risk Model Monitoring Manager

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I want to receive the latest job alerts for credit analyst in edinburgh

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Join our team

Head of Credit, Edinburgh or London

Interested in working at Hampden Bank?

Benefits

38 days annual leave, including public holidays

Salary exchange pension scheme

Discretionary variable pay award

Group Life Assurance scheme

Private Medical Health Insurance

Health Cash Plan

Employee Assistance Programme

Enhanced maternity pay

Volunteering program

Give as you earn

Season ticket loan scheme

Cycle to Work scheme

Electric Car scheme

Annual flu vaccination

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