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view all jobsHead of Credit - Retail Banking
Apply now »Job Details:
Location: Antrim, Dublin City Centre
Category: Banking, Financial services & Insurance, Accountancy & Finance
Role(s): Credit Manager, Risk Analyst, Risk And Insurance Manager
Salary: Negotiable
Job Type: Permanent Full-Time
Employer Type: Recruitment Agency
Min Experience Required: 7-8 yrs
Qualification: Trade Qualification
Reference Number: dir ret cred2
Job Description:
Summary:
Our client is a high profile bank which is looking to recruit a Director of Retail Credit. The credit risk function is central to the governance, stewardship and successful growth of the Corporate Markets business.
Responsibilities
- To provide leadership and direction to the Retail Credit Risk team via the development and maintenance of retail credit risk frameworks that are both commercially sensitive and compliant with regulation and legislation.
- Ensuring Retail Credit Risk policies and processes effectively mitigate risk and support strategic objectives.
- Consider and advise on the Retail Credit Risk implications of the bank’s strategies and operations.
- To be a key member of the Credit & Market Risk leadership team and represent the Retail Credit Risk department at appropriate internal and external (FR, FSA, ICB) meetings as required.
- lead, drive and develop a sustainable, highly motivated management team
- The development and communication of the bank’s Credit Culture in the Retail division including ensuring that Credit policies comply with all regulatory requirements and are clearly communicated to all relevant staff
- Optimise Retail Credit quality through ensuring best practice/processes in Credit Sanctioning, Management and Control
- Through working closely with colleagues in Retail ensure excellent understanding of business issues/requirements, that Credit structures/processes are maintained to deliver a high quality service to customer facing units and that reliable communication channels ensure issues are identified, escalated as appropriate and addressed promptly.
- Lead and motivate a team that ensures a performance excellence culture is evident throughout Retail Credit and is proactively committed to ongoing improvement.
- Accountability for forecasts and performance against forecasts
- Development of stress scenarios and testing
- Agree targets for cash flow and recovery within operational teams in Collections & Recoveries and lead changes to policy, strategy and resourcing as necessary
- Ensure adequate governance for changes in Credit Policy and Appetite
- Develop Basel and Operational Models and maintain these.
- Ensure appropriate Management Information systems are in place to monitor all aspects of performance and to facilitate briefing of appropriate contacts.
- Maintain sound business relationships with key contacts/business users/influencers and ensure flow of relevant communication to maintain confidence in effectiveness of Retail Credit
- Lead and develop the management team to ensure maintenance of appropriate skills levels and career development.
- Support Chief Credit Officer and play a proactive role as part of Credit & Market Risk Senior Management team in achieving overall Credit & Market Risk business objectives.
Experience required
- Significant experience within the risk area of financial services.
- Strong leadership, people management and communications skills including the ability to influence other Senior Executives.
- Strong strategic awareness with demonstrated ability to proactively manage change.
- Proven ability to deliver against stretching objectives and targets
- Effective team skills and proven high quality interpersonal skills with the ability to build strong and productive relationships with business partners.
- Decisiveness, action oriented, seeking opportunities to enhance performance.
- Proven interpersonal and communications skills
- Ability to achieve results though others through strong leadership/influencing and winning commitment to desired goals.
- Sound knowledge of operational practices within the Bank and the internal and external factors that influence business performance.
For further information on this position (in confidence) please contact Garret Kearney on (01) 6768891
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