Senior Assistant Manager - Credit

Credit Risk

• Check all CA Credit Applications for accuracy, completeness and compliance with Credit policy.
• Undertake loan pre-completion due diligence that has been completed by the Lending Teams, including the checking and verification of reports produced by the Bank's professional Advisors.
• Assess and approve development loan build payment requests in accordance with approved procedures, ensuring that they are strictly in accordance with sanctioned terms, credit governance requirements, and internal policy.
Authorities
• To authorise release of funds for loan completions and development loan build payment requests.
• To authorise full/partial loan redemption requests (execution of DS1's, DS3's, Consent to Leases etc).
• To act as an authorised signatory for facility letters and other loan documentation to ensure that signatures are in accordance with the current CA mandate
Credit Policy, Procedures, Monitoring and Compliance
• To contribute to the Team's objective of leading in the engagement of credit governance and policy, and to actively engage in the Credit Risk process.
• To assist the Senior Manager - Credit with the identification of issues within the credit process, and with their resolution.
Ad Hoc and General
• Undertake ad hoc projects assigned by Management.
• Provide guidance and training on Credit Risk matters to members of the Lending Teams, as directed by the Senior Manager - Credit
Risk & Compliance Ensure that all Governance and Compliance requirements are adhered to and all reporting and reviewing activities required by the Regulatory Bodies are carried out to the standards required


• Property lending experience including bridging and residential development finance.
• Good working knowledge of professional's reports (Valuation, Legal [including Report on Title] and Project Monitoring Surveyor).
• Sound loans administration and credit risk experience at Assistant Manager level.
• Ability to work under pressure.
• Ability to act independently and with decisiveness, comfortable with exercising common sense and commercial judgement
• Willingness to challenge Lending Teams when required
• Ability to work in a high volume, fast paced environment - focus on speed whilst maintaining accuracy and attention to detail.
• Communication skills.
• Numerical accuracy.
• Evaluation and analysis skills.
• Prioritisation skills
• Intermediate level IT skills (Word, Excel and Outlook)
IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU HAVE/ARE:
• CIB (or equivalent) qualified
  
  For roles offering hybrid working: At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working.
Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. At Close Brothers we provide financial support and advice to small businesses and individuals in the UK. Our purpose is to help the people and businesses of Britain thrive over the long term., Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. We employ over 3,500 people, principally in the UK. Close Brothers Group plc is listed on the London Stock Exchange and is a member of the FTSE 250.We remain focused on markets and services we know and understand, developing leading positions and unrivalled expertise. Our approach is prudent and considered enabling us to grow sustainably, through all market conditions, building confidence among our depositors and investors. Our businesses have remained local as we continue to provide bespoke services, and developing long-term relationships ensuring our success in the future. We value our clients over everything else. What they do is important - they are the doers and makers of things, the wealth creators, the investors and the savers. We ensure our services meet their specific needs and invest to support them as they grow. These principles, founded in our past but applied to the modern world today, represent what we describe as 'modern merchant banking' - values that are embedded in our culture and that underpin everything we do.