VP - Mid-Market Credit Approver/Sanction - Bank

Key Accountabilities

Business Risk (70%)

- Consistently deliver high quality, commercial and balanced lending decisions, within defined credit risk appetite and demonstrating effective application of Target Market Criteria, with appropriate escalation where deemed outside of risk appetite.

- Satisfactory industry workflow contribution completing an appropriate number of credit applications per month while demonstrating a satisfactory contribution to wider proactive support across industry sectors /PODS.

- Credit application execution to demonstrate a good mix of material cases, both incremental and new to Bank - the case mix and wider duties (i.e. Pod Leaders/Strategic Forums) will be balanced against volume when assessing overall contribution.

- Support CRMF activity as required and ensure early identification of emerging risks and escalation as appropriate through proactive and effective risk management. No avoidable losses or late WL referrals.

- Contribute to robust portfolio management by working closely with MEC directors on industry sub sectors.

- Continue the culture of challenge while supporting debt growth in line with business objectives, recognising the uncertainty in the market and the global impact of the coronavirus pandemic.

Business and Risk Stakeholders (20%)

- Maintain effective relationships with key business and risk stakeholders through strong engagement. Supporting strategic/systems change (i.e. Eagle Models), demonstrating guidance on priority deals, structuring and acceleration of viable opportunity in line with risk appetite, with a focus on NTB and adherence to SLAs

- Support the delivery of ad hoc sector deep dives or credit event requests with appropriate business engagement as required.

- Lead and / or contribute to projects / initiatives to enhance the efficiency of our processes / controls or deliver regulatory / strategic change.

Controls/Model Risk (5%)

- Apply the highest standards of controls and risk management practices and behaviours, and embed a strong risk and control culture. Demonstrate prudence, sound judgement and appropriate and timely escalations in the management of all types of risk applicable to the role.

- Contribute, as required, to delivery of model risk remediation, in particular relating to Eagle

- Contribute, as required, to the remediation of any control issues in a timely manner, and ensure adherence to RCSA framework.

- Adhere to policies and standards and work with colleagues where required to ensure that MMCT is fully compliant.

- Ensure all personal compliance requirements and training are completed in a timely fashion

People (5%)

- Support people initiatives designed to improve Risk Culture and Engagement, i.e. work shadowing, secondments, mentoring, personal development, coaching and colleague recognition

- Support initiatives to deepen colleague engagement through Your View surveys etc

Essential Skills/Basic Qualifications:

- Excellent financial analysis skills where understanding Balance Sheets, Cashflow Statements and Profit and Loss Accounts of businesses is critical.

- Very good numeracy skills.

- Ability to handle a significant volume of data and pull out the important aspects, summarise and draw conclusions.

- Must be decisive and a clear communicator both written and oral.

- Must be thorough and accurate at all times.

Desirable skills/Preferred Qualifications:

- Good understanding of general lending products of the bank.

- Be aware of and understand the strengths and weaknesses of different types of security the bank use to support lending.