Develop and implement credit risk assurance plans and methodologies.
Provide oversight and document findings on 1LOD’s compliance with credit policy and lending standards, provide clear recommendations to improve credit processes and support mitigation efforts.
Set governance requirements for credit assurance, including business self-assurance for first-line underwriting teams, and provide regular monitoring and reporting across all portfolios.
Provide an integrated view of the bank’s credit risk profile through the development of comprehensive reporting, assessment of credit quality performance, emerging issues and recommending necessary actions.
Liaise with key business stakeholders to support the maintenance of a credit assurance programme that covers thematic reviews, ad-hoc requests on individual files or portfolios and communicating any material issues and/or non-compliance with approval conditions.
Review and set key assurance risk metrics, including but not limited to credit quality at origination and in-life stewardship, governance for use of delegated lending authorities, issue management, policy compliance and implementation.
Provide independent validation of credit quality across the banks total portfolio and where required be part of the due diligence team for any potential portfolio acquisition. Validation activity should assess the financial and operational performance of new and existing business and compliance with regulatory requirements.

Deep understanding of credit risk within the SME markets.
Experience & knowledge of credit risk management frameworks.
Experience of working in a fast-paced environment using credit data, credit policy, lending standards and risk appetite to assess qualitative and quantitative outputs.
Knowledge of risk models such as PD & LGD and an ability to translate outputs into a clear report that can be used with stakeholders.
Knowledge of a bank’s regulatory environment and knowing where to go for guidance and support.
Familiarity with all risk types across a bank and ability to provide reasoned challenge.
You are flexible to adapt quickly to changing priorities within a very dynamic environment and work well with stakeholders across the business.
Established self-starter and ability to work under own guidance.
Collaborative style of working, using the experience of the wider team.

Credit Quality Assurance Manager

Key skills