Credit Officer

Credit Officer

Natwest Markets
Not Specified
Not Specified

Job Description

Join us as a Credit Officer
  • Take on a critical role that'll see you identifying, assessing and managing credit risks
  • You'll be responsible for interrogating, interpreting and visualising large volumes of data to identify, support and challenge business opportunities and identify solutions
  • Hone your existing credit risk management skills and advance your career in this fast paced role
What you'll do
You'll maintain an effective credit risk management framework that enables early identification, assessment, management, monitoring and reporting of credit risks. This will involve ensuring appropriate and intended customer and conduct outcomes in relation to lending and credit policy are being delivered through the oversight and challenge of policies and first line processes and controls.
You'll be responsible for in-depth analysis and explaining monthly KDE movements to senior stakeholders, and ensuring any adjustments are properly explained and evidenced for the audit trail.
You'll also:
  • Fully comply with all relevant organisation, credit and business policies, including the creation of a robust suite of assurance measures
  • Review all credit policies line with organisation, legislative and regulatory requirements
  • undertake risk issue action management and control effectiveness testing for the team
  • Provide assurance to senior management that all control based activities are compliant with our standards and that all risks are reported and authorised
  • Effectively manage the relationship between the function and bank-wide credit risk and other policy framework standard owners
  • Achieve business as usual and project deliverables in line with milestones and terms of reference to a high standard through effective management of colleagues and other resources
The skills you'll need
You'll need broad experience and an understanding of credit risk management, including principles and processes, and an in-depth understanding of regulation applicable to mortgages and consumer credit.
You'll also need:
  • Experience of working successfully as a team with management across an organisation
  • Knowledge of risk management and control processes appropriate to a financial services environment
  • A broad understanding of external regulations

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