Responsibilities:
Clearly articulate lending decisions that include only
relevant terms and conditions
* Make sure the needs and impact upon the customer are
considered through all aspects of the risk assessment
process, ensuring the delivery of fair outcomes for our
customers
* Work collaboratively to deliver responses within service
level agreements
* Proactively drive and implement the relevant processes to
facilitate the early identification of emerging problem
cases, ensuring effective risk management to protect the
organization's position
* Meet data quality obligations with accuracy and diligence
to ensure accurate reporting and capital efficiency
* Establish and maintain effective relationships with key
stakeholders, building quality relationships, and act as an
ambassador for the function and raise credit skills and
awareness in the business
* Adopt a subject matter expert status with relationship and
portfolio management teams, supporting client
discussions and the shaping of transactions
* Drive the oversight process to provide assurance to senior
management on appetite adherence and control
processes
* Maintain strong cost discipline and identify and take
forward improvements to the credit process that create
capacity and improves the customer proposition
Knowledge and experience:
* An experienced lender with sound analytical and technical
credit skills, strong commercial awareness, and the ability
to shape complex deals to create fair customer outcomes
while protecting the organization's position
* Sound knowledge of the mid-corporate and commercial
segment, sectors, and lending products
* Sound knowledge of credit policy, economic, legal,
regulatory and where applicable specialist sector issues,
along with underwriting processes and systems