Lead Credit Risk Manager - Mortgages
Risk and Credit
Are you an experienced credit risk manager looking for an exciting challenge? Do you want to join a rapidly growing bank? Do you enjoy leading analytics to drive real value?
Metro Bank is committed to making a difference and delivering a different type of banking for Britain. Our inclusive culture helps us welcome and develop fantastic people and encourages our colleagues to bring the best they have when helping our customers and supporting each other at work.
Mortgages are critical to realising our strategic priorities and we have ambitious plans to grow the mortgage portfolio into new and specialist markets, we also want to have a better level of automation and straight through processing to improve our customer experience and we are working towards coming an IRB bank with mortgages as the top priority.
As a Lead Credit Risk Manager (Second Line of Defence) you will have the opportunity to take a leadership role and shape the team's contribution to the banks objectives. You will lead a team of credit risk managers and analysts and will be central to ensuring that the bank grows the mortgage portfolio safely and sustainably. You'll work closely with the First Line of Defence credit risk team to create growth strategies in line with the banks risk appetite and you'll be responsible for the credit risk management of the mortgage portfolio including setting the risk appetite and policy, carrying out portfolio analytics and benchmarking and you'll oversee that the bank holds appropriate levels of capital and impairment. The team are fast-paced and agile and you'll get the chance to be involved in a wide variety of projects and work with a broad network of stakeholders.
Depending on the team, most of our roles offer flexible working.
So what would you be doing?...
•Shaping the growth of mortgage lending to meet the banks strategic objectives
•Helping the bank expand into new mortgage markets safely and sustainably
•Leading a team of managers and analysts, shaping and overseeing the work of the team
•Developing team members through motivating, leadership and coaching
•Supporting the banks IRB application by providing portfolio insight and input to model developments
•Being responsible for the credit quality of the mortgage portfolio, carrying out portfolio analytics and reviews to ensure that risks are assessed and understood
•Leading and shaping our credit policy and strategy
•Optimising the use of credit risk models
•Automating the customer journey through new models and solutions
•Innovating the approach to risk management
•Creating and maintain relationships with a wide range of stakeholders
•Working with a range of colleagues across the business
You need to be this kind of person...
•Passionate about providing unparalleled levels of service and convenience for customers
•Prepared to stick at something - we get nervous if someone has jumped from job to job as we want people who are prepared to learn and grow
•Able to work and learn quickly in a fast paced, fun and dynamic environment
•Care about doing a great job and exceeding expectations with the quality of what you do
And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns.
We always support colleagues to develop their skills. But to be successful in this job you really do need to already be able to do most of these wonderful things...
•Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders
•In order to hit the ground running you will need an in-depth knowledge in credit risk management, you'll have worked in a number of credit risk roles before and have a good rounded knowledge of credit risk
•To be successful in this role you will need a good knowledge of mortgages, the mortgage market and mortgage regulation, with experience of working on a mortgage portfolio
•You will be experienced and comfortable leading a team and be driven and enthusiastic and want to overcome challenges
•Naturally, you will be analytically strong, have great attention to detail and problem solving skills
•And we'll need you to have strong stakeholder management skills and be ability to influence stakeholders from different business areas and at different levels of the organisation
Diverse teams really are the best teams. We know that candidates (especially women, research tells us) may be put off applying for a job unless they can tick every box. We also know that 'normal' office hours aren't always doable, and while we can't accommodate every flexible working request we are happy to be asked. So if you are excited about working with us and think you can do much of what we are looking for but aren't sure if you are 100% there yet... why not give it a whirl? Please note that sometimes we may close a job earlier for applications if we are inundated with amazing candidates.. Good luck!