Credit Operations Manager

Arbuthnot Latham has been associated with banking since 1833. We combine private and commercial banking, wealth planning and investment management. We believe in traditional relationship and service-led banking powered by modern technology.

To lead a busy Credit department whose involvement with the Bank’s Credit process is comprehensive – from initiation through to documentation, monitoring and control through to recover.

• Responsible for the teams preparation, review and control of lending documentation.
• Deliver a first class service to the front office, by providing effective team leadership, whilst ensuring that the lending complies with the Bank’s policies and procedures.
• Execute management duties with minimal supervision and provide a level of mentoring to junior colleagues.
• Provide recognised cover in the absence of the Head of Credit Operations.

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.

Key responsibilities

• Provide leadership to the Credit Operations team in all aspects of day-to-day processes
• Develop staff to help them learn and embed new skills
• People management, motivation, performance management & development, including managing through others, in line with Bank policies and standards.
• Support the strategic direction achieving cost efficiency, productivity and risk avoidance/compliance on an ongoing basis
• Evaluate the overall performance of Credit Operations
• Ensure the team delivers timely and effective preparation of Facility Letters.
• Drawdowns for all lending facilities ensuring that each transaction is properly documented in order to protect the Bank
• Providing oversight and sign off on behalf of the team in accordance with the Bank’s agreed procedures
• Champion the risk culture in the team, ensure procedures are fit for purpose, documented understood and used, controls are suitable and effective, testing and sample checking is undertaken & remedial action taken
• Take ownership on behalf of the team for the the completion of required returns to the FCA
• Be the primary point of contact for Credit queries and seek solutions to issues that may arise
• Build and monitor good stakeholder relationships to ensure quality service is provided at all times
• Oversee and monitor the collation of KPIs, analyse trends and proactively drive remedial or improvement actions
• To perform other tasks as assigned by the Head of Credit Operations.

Risk

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Person Specification

Knowledge/Experience

• Excellent banking background with the emphasis on Credit
• Detailed and demonstrable knowledge around all areas of Lending
• Significant experience with High Net Worth clients
• Have a detailed knowledge of CCA and MCOB rules
• Multi-tasking capability
• Ability to work under pressure with a heavy workload
• Ability to provide support and guidance to team members

Skills

• Excellent understanding of Banking Systems and be IT literate, and a high understanding of Microsoft office
• Excellent written and verbal communications skills are essential for this role
• Excellent time management and organizational skills

Competencies

• Client Focus
• Team Working
• Expert Knowledge
• Working Proactively
• Leading Others