Hybrid Senior Credit Officer – Asset Finance, Business & Commercial Banking

Posted last week

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About the role

  • Structuring, reviewing and signing-off new structured Asset Finance lending transactions, while supporting the wider Credit team in analysing and assessing transactions.
  • Provide insight into and critical assessment of operational processes.
  • Working with Product and Product Risk to ensure the data framework is appropriate and review key trends, connections, and concentrations across the Asset Finance portfolio and provide key recommendations.
  • Introducing and implementing industry best practices to enhance efficiency, compliance, and overall operational effectiveness across product governance, policy, and operational process.
  • Representing Asset Finance Credit at product and portfolio governance/approval forums.
  • Creating and delivering training and mentoring programs on Asset Finance to support development of the wider BCB Credit team’s skills and capabilities.
  • Taking the initiative to drive projects and improvements by proactively identifying opportunities for enhancement and leading efforts to implement changes.
  • Working in a high profile, professional, and demanding environment committed to putting people first, being bold, trusting each other, and embracing our differences.
  • Ultimately Line Managing direct reports and playing a key role in their career development.

Requirements

  • A strong Credit background with experience in Asset Finance and and Asset Finance Products
  • Understanding of the range of assets we finance, including new transition technology assets (EV’s)
  • An understanding of credit models including PDs and LGDs, and assessing asset valuations
  • Good operational understanding of Asset Finance Products especially leasing asset ownership.
  • Track record in identifying and delivering change.
  • Experience of demonstrating sound judgement and decisiveness.
  • Sophisticated financial and non-financial analytical skills and critical analysis skills.
  • Knowledge of Asset Finance facility documentation
  • Ability to establish strong working relationships with a variety of stakeholders.
  • Demonstrable high levels of attention to detail, numeracy, and accuracy.
  • Experience of leading teams and line management.
  • Ability to communicate effectively at all levels and across different audiences including Senior Sanctioner’s on complex issues / risks, with strong written and verbal communications skills.

Benefits

  • A generous pension contribution of up to 15%
  • An annual performance-related bonus
  • Share schemes including free shares
  • Benefits you can adapt to your lifestyle, such as discounted shopping
  • 30 days’ holiday, with bank holidays on top
  • A range of wellbeing initiatives and generous parental leave policies

Job title

Senior Credit Officer – Asset Finance, Business & Commercial Banking

Job type

Experience level

Senior

Salary

£83,411 - £98,130 per year

Degree requirement

Bachelor's Degree

Location requirements

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