Credit Solutions Business Manager


 London - Great Britain       Permanent contract        Other job functions

Mission

Description of the Business Line or Department

Kleinwort Hambros has a wealth of experience in helping individuals, families, entrepreneurs, charities and their advisers to manage their financial assets, whether they are based in the UK or overseas. The relationship starts by taking the time to understand the client’s situation, including their financing and liquidity needs. Their circumstances are unique and may require tailored financing solutions. That’s why we offer a wide range of flexible lending products – from Lombard loans, to tailored mortgages and loans to buy specific physical assets.

Credit Solutions was recently formed, within the Client Solutions Group, to take ownership for the overall lending proposition and the strategic growth of the activity. The team has a mandate to improve the end-to-end delivery of the Credit products, encompassing Commercial (Credit Advisory), Risk (Credit Risk), Operations (Credit Administration) and any other stakeholders in the delivery (such as Legal, Compliance and Business Assurance). The objective is to ensure the sustainability of the credit proposition, in consideration of the Bank’s strategic objective and the competitive pressures.

Summary of the key purposes of the role

The role is to assist the Head of Banking and Credit Solutions in achieving the key objectives for the Credit business. These are:

  • To work with the appropriate stakeholders in the delivery of the Credit products in order to streamline the processes, with a view to increasing the speed of delivery whilst ensuring adequate control.

  • To direct initiatives that promote the Bank’s delivery on products that are aligned to the business and brand.

  • To support the Commercial team in their work to promote the lending offering and originate new business, with a view to promoting sustainable growth of the loan portfolio.

Summary of responsibilities 

The responsibilities are as follows, with the continuous support and direction of the Head of Banking & Credit Solutions:

  • Review the policies, procedures and processes (manual or automated) across the Credit function, proposing developments to provide continuous progress toward the objectives stated above.

  • Engage with stakeholders across the Credit process, leading on the agreed developmental actions or projects related to the proposals made above.

  • Engage directly with live deals where there are blockages in the delivery – to seek resolution and identify further improvements to the process going forward.

  • Assist in managing the Credit systems, such as eCredapp, in terms of system functionality, development testing, user access and training.

  • Lead in the ownership of third party vendors, such as the Valuers Panel, to ensure delivery of an efficient service to the Credit function.

  • Support the main governance body for the Credit function, being the Credit Solutions Management Committee, by collecting management information and tracking actions.

  • Represent the Credit function, in place or in support of the Head of Banking & Credit Solutions, at relevant forums (e.g. New Product Committee, Private Banking Committee, etc).

  • Support the development of Credit Solutions as a centre of expertise for the overall Credit proposition, supporting in communications and training on the Credit product offering (e.g. Inductions, Commercial updates, presentations to Committees or forums, etc).

Delegated responsibilities

Attendance at Credit Solutions Management Committee and any other relevant Committee or meeting in the absence of Head of Banking and Credit Solutions.

Level of Autonomy and Authority

The role will have close interaction with the Head of Banking & Credit Solutions and operate within his mandate to achieve tangible enhancements to the Credit offering. As such, the role will come with a large amount of support from senior management and autonomy to deliver. The individual will be encouraged to use their initiative to propose solutions, which (with continuous access to and support from their line manager) they can follow through on to achieve the key objectives of the team.


All our positions are open to people with disabilities

Profile

Competencies

Essential:

  • Evidence of being structured, organised and responsive 

  • Evidence of being proactive in identifying and resolving problems

  • Experience of working in a Credit function

  • Knowledge of the regulations applicable to a Bank lending activity

  • Strong diplomacy and communication skills

  • Experience in a project management role or activity

  • Technical awareness (identifying opportunities for automation)

  • Strategic and commercial awareness

Desired

  • Experience of working with the Olympic Banking System

  • Experience of working within a Private Banking Credit function



Evolution

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 Societe Generale, 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 reassignment.


Environment

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.


Job code: 19000LJY
Business unit: Kleinwort Hambros
Starting date: 26/08/2019
Date of publication: 01/08/2019
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Credit Solutions Business Manager

Permanent contract   |   London - Great Britain   |   Other job functions