Our Client is a major UK retail Bank. Following continued growth it is seeking to enhance and strengthen its' risk department. Thus it is looking to recruit a Manager, Group Credit: Automated Commercial Credit based in West Yorkshire. Commercial Credit encompasses Automated Credit within Corporate Banking, Direct Business banking within Retail, Specialised lending within Retail and High value mortgage lending within Retail.

Reporting into the Senior Manager, Automated Commercial Credit you will:

• Develop and apply first class credit analytic techniques for the production of rating tools
• Contribute to oversight/development of credit analysis tools used within the Group with particular emphasis on Commercial lending including structured finance, Corporate and SME customers
• Ensure that coherent risk analysis and timely, appropriate and transparent risk reporting is in place
• Ensure the business uses first class credit risk management techniques and maximises profit whilst minimising volatility
• There is scope to include credit risk assessment, underwriting, account management and collections / recoveries
• Assist in the development of credit rating models, including but not limited to regression and stochastic cash flow approaches
• Liaise with divisional credit risk teams to integrate developments into routine production/use within business areas
• Provision of technical support to business facing teams including review of credit models and their implementation and documentation in support of model approval by the FSA
• Execution of Special risk reviews
• Be regarded as "Centre of Excellence" providing first stop for advice and guidance on technical, strategy and policy matters
• Challenge relevant business decisions (within the defined scope) and through pre-and post implementation review of credit proposals put forward by the Divisions, as appropriate, providing "a second pair of eyes" to ensure that process quality and integrity is maintained
• Provide functional leadership as a centre of expertise to credit teams within the defined areas through the Group and ensure that all parts of the Group aspire to introducing leading edge credit risk standards
• Act as primary source of commercial lending experience within the Automated Credit Team providing technical input to development of models
• Functional leadership to Credit Analytics specialists throughout the Group in developing credit models, and implementing models within credit processes
• Review of credit models developed by the Divisions and documentation of results with particular emphasis on credit scored retail and small business lending within Business Banking
• Provision of analytical support/consultancy to other areas of Group Risk and the divisions
• Maintenance of relationships with third parties e.g. external consultants, divisional risk contacts
• Participation in and on occasion leading risk reviews undertaken by Commercial Automated Credit

You can ideally offer:

• Qualified to degree level with strong numeracy
• Some one whom is working towards a higher degree or professional qualification would be particularly desirable (ACIB, Accountancy etc)
• 5 - 10 years commercial and possibly retail lending experience gained within a financial services organisation. Strong understanding of banking principles and practice including regulation, security
• Strong IT skills including Excel, Word and preferably a statistical package such as SPSS or SAS

To apply for this role click here to email us quoting Ref: JA1008 or call 020 7274 7998