Credit Risk Manager, Real Estate Finance

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About The Role

The Credit Risk Manager plays a key role in supporting the Banks growth aspirations in a measured and safe way, acting as the second line of defence in assessing and decisioning Real Estate Finance lending transactions in both Development and Investment sub sectors.

Key Responsibilities:

• Provide guidance on new lending requests from the business, restructuring as necessary, feeding back to the Relationship Directors as appropriate and seeking clean Credit Committee sign off.
• Support new business growth in a measured way, maintaining a high level of credit risk and acceptable level of provision
• Support Senior Management with changes to risk structures and governance, recommending changes to facilitate joined up working practices.
• Participate in the setting up of new SME platforms and Risk Structure and Governance
• Input into new products, acquisitions and new ventures ensuring all are carried out in a compliant way and at satisfactory levels
• Assisting the Head of Risk/Head of REF Risk in ad-hoc projects as directed
• Support the delivery of accurate Management Information in line with Exco expectations, ensuring accurate data is maintained.
• Keep abreast of regulatory changes impacting on the business ensuring that STB is well placed to make these changes, considering any impact on a short/medium and long term basis.
• Meticulous execution of procedures, to ensure internal and external audit requirements are met
• Support the ongoing development the Risk Pricing Model across the Business and Commercial businesses

Required knowledge, skills and experience

• Demonstrable experience within Real Estate Financein a Risk focussed role
• In depth technical knowledge of Real Estate lending products
• Detailed knowledge of the UK Real Estate market
• Ability to draft accurate and concise written communications
• Close attention to detail and inquisitive approach to decision making
• Ability to influence and challenge where appropriate

As part of our vision to become the most trusted specialist lender in the UK, we've been helping customers and businesses fulfil their ambitions since 1952. In that time, we've learned that we're more than the sum of our parts. We're a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That's why Secure Trust Bank Group nurtures differences. We understand that we perform better because we're not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We're an award-winning bank providing savings accounts and lending services to over one million customers. We're Secure Trust Bank Group. We embrace difference.

About The Company

Our customers are at the heart of everything we do, but we can't achieve our customer focused strategy without the right people in our team.

At Secure Trust Bank, we know that people are our biggest investment, which is why a career with us is not just a job. It's the chance to be part of something bigger, to add real value to the Bank and help us constantly improve, in order to achieve our ambition of becoming the best bank in Britain. We believe in giving our staff autonomy, with initiative and exceptional performance recognised through a variety of individual and team awards and incentives. All our employees have a tangible impact on the Group's core values, and we are looking for candidates who are enthusiastic, proactive and enjoy working in a fast paced environment. So join us as we strive to Grow, Sustain and Love the way we work.