We have an excellent opportunity for a Credit Risk Manager to join a private banking firm. They are looking for someone motivated to join the team and provide a bespoke service to high-net-worth, affluent clients and associated businesses.

The Credit Risk Manager will report to the Head of Credit and will prepare and deliver ongoing training programmes, focus on scalability through the enhancement of policy, standards, procedures, and processes and driving efficiency, positively impacting the client journey.

It is a Full-Time staff role based in Edinburgh.

The Responsibilities:

• As a subject matter expert, provide credit risk guidance to the Head of Credit Risk, the Chief Risk Officer, the Executive Risk Committee, the Board Risk Committee, and other colleagues, as required.
• Coach / mentor / train colleagues (the Credit Risk Team and Banking Directors).
• Credit Risk Oversight in all aspects of Credit Risk Management, including lending decisions and thematic reviews.
• Hold a Delegated Sanctioning Authority which includes decision making on clients in financial difficulty.
• Engage with the Commercial team to support clients in financial difficulty to find a mutually acceptable solution for both the client and the Bank.
• Input to discussions with the Head of Credit and Senior Credit Risk Manager on financial difficulty cases, provisions on accounts which are in default and any write-offs.
• Input to day-to-day Policy / Governance / Appetite discussions within the Credit Risk Team and with other stakeholders.
• Review and analyse credit risk data and present Management Information to Credit Committee.
• Credit Risk subject matter expert in relation to the Financial Risks from Climate Change.
• Keep up to date with credit risk regulatory requirements and maintain a detailed knowledge of the Bank’s lending products and their inherent credit risks.
• Ensure risk events such as breaches and operational losses are escalated and reported in accordance with Policy.
• Build and maintain constructive and effective relationships across the business in line with the Bank’s culture and behaviours.
• Participate in working groups, either within the Credit Risk Team or across the Bank to continuously improve processes and procedures and contribute to the Bank’s success.
• Instil a culture of on-going improvement, development, and sustainability in all aspects of credit risk management.

The Requirements:

• Hold relevant professional banking qualification e.g., Chartered Banker Institute. 
• A proven track record of conducting oversight and providing challenge in a credit risk environment.
• Prepare and present reports / MI information to Credit Committee and other key stakeholders.
• Experience in Credit Underwriting (including financial difficulties) Training, Policy, Governance and Controls - covering personal and non-personal lending, with proven analytical skills and ability to interpret financial accounts to exercise sound and pragmatic judgment.
• Technical specialist and ability to apply knowledge of control systems, processes, reporting and regulatory requirements in relation to Credit Risk.
• Proven track record of implementing and embedding processes / procedures that make a difference to colleagues, clients and ultimately the Bank.
• Proven track record of preparing and delivering effective training.
• Diverse knowledge of financial, business, economic and property markets.
• Resilient and calm under pressure.
• Ability to work with others to effectively embed change.