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Head of Credit

  • Location: Clitheroe
  • Salary: £75,000 - £85,000 per year
  • Job Type:Permanent

Posted 22 days ago

  • Sector: Credit Risk & Analytics
  • Contact: Eleanore Sykes
  • Contact Email: esykes@merje.com
  • Contact Phone: 0161 883 2750
  • Expiry Date: 08 June 2023
  • Job Ref: ES/10262

Head of Credit 

  • Lead a team of business credit underwriters to undertake credit risk assessments and decisioning in accordance with policies and procedures.

  • Be accountable for credit decisions and identify signs of stress to minimise the company's exposure to bad and doubtful debt.

  • Proactively look for opportunities to enhance lending opportunities within acceptable risk parameters.

  • Proactively review and recommend improvements to credit policy and procedures.

  • Accept full responsibility for lending decisions made.

  • Ensure that the risks of lending proposals submitted are properly identified, assessed and mitigated appropriately.

  • Complete credit decisioning responsibilities within the requirements of Service Level Agreements.

  • Support the business aspirations for asset growth with a balanced approach to asset quality and risk reward.

  • Contribute to team training and proactively look to share key learnings and experiences among colleagues.

  • Clear understanding of lender regulatory requirements including consumer duty.

  • An up-to date knowledge of the latest CRA product suites. Ideally with close working relationships with CRA's

  • Customer outcome focused.

Skills and attributes:

  • Analytical thinker, with deep understanding of credit profiles, experienced in underwriting with the ability to run a team of UW, ability to build and maintain complex credit scorecards. Ability to run a risk-based pricing model.

  • Strategic thinker with good track record of improving business strategy to drive P&L improvements.

  • An ability to think critically, be pragmatic, have confidence to challenge, problem solve and find new ways of doing things, including influencing senior leadership.

  • A track record in building and managing stakeholder relationships.

  • Experience of both leading a team, and coaching and developing colleagues in complex credit matters.

  • Demonstrated ability to make sound and balanced decisions within designated timeframes.

  • Excellent IT Skills (MS Word, Excel and Outlook).

  • Ambitious, positive thinker

  • Self-starter

  • Can do attitude.

  • Career focused.

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