Location
Belfast | United Kingdom
Job description
MCS Group are looking for Credit Manager to join one of the leading retail banks in Belfast.
The Company:
Our client is one the leading retail banks in Belfast and have multiple branches across Northern Ireland. They have been recognised as Northern Ireland's number one best company to work for and are at the forefront for driving sustainability within local market. This is a great opportunity to join the business as a Senior Credit Risk Manager and lead their credit oversight function.
The Rewards:
As the successful Credit Manager you will receive the following:
- Market leading remuneration package + extensive benefits;
- Hybrid/flexible working options;
- Exposure to key stakeholders internally & externally;
- Continuous personal development.
The Role:
As a Credit Manager, you'll play a crucial role in assessing Corporate & Business credit applications under your personal delegated lending authority (DLA). You'll work in line with service level standards, supporting Customer Experience (CX) and Satisfaction (CSAT). Here's a glimpse of your responsibilities:
- Accept responsibility for a high level of Delegated Lending Authority.
- Make credit decisions for complex bilateral and syndicated lending applications within your DLA.
- Oversee local adaptation and implementation of Group-sponsored and Bank UK-driven initiatives.
- Identify key portfolio issues requiring further investigation using risk asset portfolio data.
- Review applications for business, financial, and structural risks, including consideration of ESG matters and Geopolitical, Security, and Energy (GSE) risks.
- Analyse and assess sustainability-led credit applications, supporting customers with their transition strategies and projects.
- Provide advice to staff within the Credit Team and across the Bank on credit and lending issues.
- Provide input and challenge to propositions, balancing credit risk management with a focus on positive customer outcomes.
- Identify improvement opportunities, develop and implement change management initiatives to maximise efficiency and minimise risk.
- Ensure compliance with legal, regulatory, and voluntary code obligations, as well as Bank standards, policies, processes, and procedures.
- Identify training needs, develop material, and facilitate the delivery of specific training to colleagues and 1st line relationship managers.
- Provide coaching and development to direct reports on financial, technical, commercial, and other issues.
- Deputise for the Senior Manager C&B Credit Assessment and/or co-present cases with the Head of C&B Credit UK in forums with Group Credit Copenhagen.
- Manage customers experiencing financial difficulty within the C&B Special Credits unit, formulating action plans to support business turnaround and improve the Bank's risk position.
The Person:
- Over 5 years of experience in a related role, preferably with a business degree or equivalent qualifications (ACA, ACCA, CIMA, MBA, Institute of Bankers).
- Strong written and verbal communication skills in a credit decision forum/risk committee setting
- Proven experience in building successful working relationships with various stakeholders.
- Well-developed influencing skills, with the ability to present analysis supporting findings and recommendations.
- Extensive general product knowledge of core lending facilities and ancillary lines.
To speak in absolute confidence about this opportunity please send an up to date CV via the link provided or contact Matthew Woods at MCS Group
Even if this position is not right for you, we may have others that are. Please visit MCS Group to view a wide selection of our current jobs
Not all agencies are the same…MCS Group are passionate about providing a first-class service to all our customers and have an independent review rating of 4.9 stars on Google.
Job tags
Salary
£50k - £60k per annum
