Business Assurance Manager - Credit

Permanent contract|London|Audit / Control / Quality

Business Assurance Manager - Credit

Kleinwort Hambros
  • London, United Kingdom
  • Permanent contract
  • Audit / Control / Quality


Description of the Business Line or Department

The Commercial Department is responsible for the profitable management and the strategic direction of the Private Banking Teams in the UK, Channel Islands and Gibraltar. The Commercial department is responsible for implementation and the development of the business through intelligent planning, reliable operations, providing a robust governance framework and creating productive relationships with the Commercial and Client Service Group teams.

Business Assurance, as part of the Business Management Office, forms an integral part of the Commercial function. The team dynamic brings a cross section of skills supporting all front office teams. The team are a ‘go to’ point for guidance.

Summary of the key purposes of the role

    • Monitor the internal control environment for the Commercial credit offering in all jurisdictions, to establish that it is robust and meets local regulatory standards. 
    • To be a credit subject matter expert for the commercial 1st line of defence team.
    • Assist with the delivery of product and policies training for new and existing Client Relationship Managers and provide guidance with content and framework for training.

Summary of responsibilities

  • Work in collaboration with the group wide Business Assurance team to undertake the timely execution of all necessary first line of defence control activity including but not limited to credit reviews
  • Review documentary evidence and credit applications to determine if the credit product is suitable and appropriate for the client and in line with the Bank’s responsible lending policy
  • Ensure credit lending is compliant with all MCOB, MCD and other applicable regulations
  • Coordinate annual accreditation requirements for regulated staff providing regulated mortgages to clients
  • Provide feedback to front office staff and ensure the closure of identified issues
  • Write reports and present findings to committees on a regular basis
  • Co-ordinate and facilitate the responses to complex credit complaints and ombudsman referrals where required
  • Deliver on-going training to front office staff, including quarterly credit feedback loop sessions
  • Maintain version control of commercial and business assurance procedures and execute action plans to remediate exceptions to these procedures
  • Perform all duties in accordance with the principles outlined in the SGPBH Code of Conduct, as well as the policies and procedures relevant to your responsibilities, to ensure that you adhere to a culture that treats clients fairly and focuses on the long- term sustainability of client relationships
  • Proactively suggest improvements to processes and procedures which will reduce risk, increase productivity amid ongoing desire for the business to simplify and ensure first time right culture

Profile required


  • Individual contributor competencies as defined in the KH Leadership Model
  • Can demonstrate significant credit experience
  • Detailed knowledge of regulatory requirements for credit
  • Strong communication skills
  • Strong people skills
  • Knowledge of business processes, standards, policies and procedures
  • Ability to make and stick to decisions based on regulatory requirements, in some cases faced against strong oppositions
  • Ability to adapt and change based on requirements
  • Experience in providing training.
  • Team Building
  • Planning & Organising
  • Pragmatism


  • Regulatory and compliance knowledge with a specific focus on Credit
  • Experience of performing controls
  • Knowledge of issues of a Private Banking function and activity
  • Experience of Mortgage Broking/Advising

Why join us

People join for the impact they can have on us. They stay for the impact we have on them. A flatter structure offers visibility and exposure beyond that of our competitors, so you know our names, and we know yours. It's personable, human, and inspires success through passion. By encouraging open mindedness and a willingness to share ideas, we have adapted to market changes and thrived through innovation. Bringing words like “hard work” and “dedication” together with “community” and “respect” has enabled us to work collaboratively and build our future together. We call this Team Spirit and it's what makes us different. It's what makes you different.

Business insight

If you feel you have the required experience and qualifications, then please apply to the SG Resourcing Team, and we will manage your application. At Société Générale, we believe our people are our strength and are core to the success of our business. As such, we search for, recruit and appoint the best available person on the basis of aptitude and ability, regardless of sex, marital or civil partnership status, race, colour, nationality, ethnic or national origins, pregnancy, disability, age, sexual orientation, religion, belief or gender identity.

We are an equal opportunities employer and we are proud to make diversity a strength for our company. Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination.

Reference: 230007TY
Entity: Kleinwort Hambros
Starting date: 2023/06/16
Publication date: 2023/05/03