Senior Sanctioner & Portfolio Risk Manager
Job Profile: Senior Sanctioner & Portfolio Risk Manager
Reports to: Head of Risk
Staff Responsibilities: No line management responsibilities. Regular interaction with all regional teams across FSE.
Location: Hybrid with at least 1 day per week in Fleet HO, and occasional travel to FSE regional teams.
Status: 1.0 FTE (part-time may be considered)
Job Description
* Leading on Credit Risk Management for FSE’s debt Funds.
* Responsible for delivery of FSE’s Debt & Equity credit approvals.
* A member of approvers panel for Equity investment applications.
* Working with regional fund teams in the effective monitoring and reporting of the FSE debt and equity portfolios.
* Responsible for early identification of debt default and collaboration in the recovery strategy activity.
* Development & management of key FSE debt/equity risk processes to ensure stakeholder requirements are met.
Principal Accountabilities
Credit Risk Management
* Credit sanctioning (2nd Line of Defence) including being FSE’s representative at debt fund credit committees, plus overseeing the preparation and circulation of relevant papers and minutes, as well as managing governance, process and overview of credit submissions.
* Conduct monthly debt portfolio reviews, overseeing that regional fund teams are receiving monthly financial information from clients, loan repayment schedules are being met, and noting any changes in customers’ risk profile.
* Supporting the orderly handover to the Senior Recoveries Manager on default/recovery cases, which may include checking of borrower and guarantor formal demand correspondence in accordance with relevant protocols.
* Supporting the Business Risk Assurance Manager by acting as cover if required, on the completion of new deal drawdown checks to ensure pre-drawdown risks have been satisfied before release of funds.
* Supporting the debt funds teams with deal forums or early deal discussion queries, to help streamline the progression of funding requests and maximise approval rates at credit committees.
Equity Risk Management
* A member of the sanctioning team at equity fund investment committees, plus overseeing the preparation and circulation of relevant papers and minutes, as well as managing governance, process and overview of equity submissions.
* Conduct quarterly/annual equity portfolio valuation reviews, overseeing the regional fund teams rationale for valuations of individual investments to ensure appropriate reporting to the FCA.
Portfolio Performance
* Responsible for the process of debt customer risk grade reviews by tracking and recording changes in risk profiles at individual customer and portfolio level.
* Overseeing periodic credit training and development of relevant debt funds staff; including sharing of best practice and collating understanding of SME sector and market performance to help inform FSE credit appetite.
Contract Performance
* Input on risk profile information for debt and equity funds’ steering/advisory groups and also periodic stakeholder reporting.
* Input on FSE Credit and Investment Risk for internal board reports as required by the Head of Risk.
* Liaison with regional fund teams, finance and operations functions as required to ensure effective and accurate compliance with the requirements for funds’ stakeholders and also the regulators.
Knowledge, skills and experience
* Experience of assessing SME credit funding requests, including non-asset backed lending (such as mezzanine loans, cashflow-based loans).
* Experience of working in or with credit-risk functions in financial institutions and/or within SME relationship management.
* Strong attention to detail, analytical, communication and presentation skills.
* High level of IT proficiency (Word, PowerPoint, Excel, preferably to include forecast modelling skills).
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