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Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. Our dedicated Asset Finance, Development Finance, Wholesale Finance and Specialist Mortgages divisions ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.
We also provide savings accounts to individuals and businesses and since we lend only to businesses, our savers can be sure their money will be used to boost the British economy.
The bank is authorised by the Prudential Regulation Authority and regulated by the Prudential Regulation Authority and the Financial Conduct Authority.
For more information, please visit our website: www.htb.co.uk
Our Values and Behaviour
All members of the HTB team are expected to demonstrate values and behaviour that underpin everything that we believe in
Customers matter
- We listen to our customers
- We value customer relationships over transactions
- We strive to deliver what customers want, when they want it, how they want it
- We prioritise customer outcomes over corporate expediency
We deliver
- We approach everything we do with discipline and set high standards
- We do more with less and embrace change
- We are fanatical about financial rigour and risk discipline
- We execute consistently with speed and accuracy
- We constantly strive to improve
Integrity without compromise
- We always aim to do the right thing - we don’t duck hard choices
- When we make a mistake we own up and fix it
- We are open and honest in all our communication
- We treat innovation and fresh thinking as an opportunity not a threat
People Power
- We are a meritocracy
- We empower people and make them accountable
- We encourage our people to learn and grow
- We challenge each other honestly & constructively
- We work as a team
- We know diversity makes us stronger
- We celebrate success
Position:
The Credit Risk Team, under the leadership of the Chief Credit Officer, sits within the 2nd Line of Defence Risk and Compliance function, and provides management, control and execution of Credit Risk policy and related processes across HTB’s portfolio of lending exposures in its chosen specialist industry sectors including Real Estate Investment and Development Finance (including bridging finance/short term lending) and Wholesale Finance (including Structured and Funds Finance and Block Discounting).
Roles within the Credit Risk Team contribute to supporting the Chief Risk Officer and Bank Executive by making a significant contribution to the design and execution of credit risk strategy/related processes, providing a centre of excellence for underwriting and credit approvals, undertaking credit quality assurance, and maintaining a detailed oversight and understanding of HTBs growing portfolio of lending exposures.
Requirements:
- Significant and recent lending experience in credit risk underwriting and sanctioning roles (Min 5 years) with a strong emphasis on Development Finance demonstrating a deep level of knowledge in this sector and desirably with some experience in Real Estate Bridging Finance & Specialist mortgages including Buy to Let, HMO and PBSA finance.
- Proven ability to exercise a personal delegated sanctioning authority, ensuring compliance with the Bank’s Credit Risk Management Framework and Policies.
- Extensive knowledge of financial, business, economic, and property markets, coupled with a strong awareness of the regulatory framework, enabling informed decision-making.
- Strong analytical skills with a good working knowledge of risk grading systems and processes.
- Experience of credit risk management at a portfolio level preferred, including analysis and development of credit risk management information and the design and development of credit risk policies and frameworks.
- Preferably educated to degree standard with relevant related professional qualification (e.g. ACIB or similar).
- A team player willing to go beyond the norm to deliver exemplary standards.
Other information:
- Senior Underwriter, taking primary responsibility for sanctioning credit proposals within own delegated authority and providing sanctioning support and cover within the wider Credit Risk team.
- Typical facilities range between £1m - £35m. The role holder will be expected to be able to analyse in detail new and existing propositions focussing on Development Finance and desirably across real estate bridging and investment sectors, make well balanced decisions and where required provide suitable recommendations and opinion to senior management and/or Transactional Credit Committee and operate confidently and diligently within a personal lending mandate.
- The role holder will also be involved in the review and monitoring of credit risk at portfolio level, the review and analysis of credit risk data and where required assisting in the review and development of credit risk management frameworks, including credit policies. The role holder will have responsibility for supporting the Head of Real Estate in delivery of sector Portfolio Reviews and any deep dive investigations as and when required and will support the Head of Real Estate in Lending Decision Assurance activity.
- Act as a sounding board to the Development Finance business and sometimes more widely to the Bridging & Specialist Mortgages business units in respect of transactions in process.
- Operate a personal delegated lending authority in accordance with the Bank’s Credit Risk Management Framework and Credit Risk Policies ensuring compliance and mitigating risk effectively.
- Prepare and present comprehensive credit risk assessment reports and actionable recommendations to the Transactional Credit Committee and Board Transactional Credit Committee
- Support the development of an appropriate risk culture within the business including providing support and training in credit risk analysis and management to lending teams and 1st Line underwriters.
- Contribute to the ongoing development and review of credit risk policies to maintain a coherent framework for the management and oversight of credit risk, as well as supporting improvements and operational efficiencies to the credit risk framework and sanctioning processes.
- Assist the Head of Real Estate in the review, monitoring and reporting of credit risk profiles at a counterparty and portfolio level including responsibility for supporting the HoRE in the preparation and presentation of succinct portfolio level risk reports relating to own sector
- Support the HoRE in identifying emerging risks early and maintaining a robust problem debt management framework. Cultivate strong, positive, and transparent working relationships with the Bank’s lending business.
- Implementation of Compliance approved financial crime controls and management of financial crime risks relevant to the department.
- As required, act as Secretary of Transactional Credit Committee and/or Credit Committee including preparation of agendas, meetings, distribution of credit papers and taking and distribution of minutes.
