We are seeking a Head of Credit Risk to be responsible for the first line Risk across the Mortgages and forward flow agreements and play a pivotal role in shaping the lending strategy of the business.
Key Requirements:
* Motor finance experience
* Detailed mortgage knowledge, preferably in a specialist lender
* Strong credit risk management knowledge and experience
* Detailed knowledge of FCA principles and demonstrable knowledge of regulatory requirements
Key Responsibilities will include:
* Develop our credit and property policies to allow Hodge to appropriately manage its lending risks
* Lead credit risk analytics across Hodge’s mortgage portfolio and forward flow agreements. Hodge has forward flow agreements across Buy to Let lending and motor finance.
* Develop and embed a robust framework to monitor the performance of our mortgage origination.
* Develop a suite of MI to monitor all risks across the Hodge Mortgage and forward flow portfolios.
* Report to Retail Credit Committee and Board on credit and property risk
* Provide oversight to the underwriting function through data and QA
* Develop strong working relationships with the Retail Executive Team and across the business to ensure an appropriate Retail Risk appetite and controls
* Strong knowledge of the regulatory framework and ensuring policies and processes are compliant with regulations
* To keep abreast of external economic and market conditions that could impact the business.
* Communicate complex analyses, insights and proposals clearly and effectively to both technical and non-technical stakeholders
General:
* Maintain good knowledge and understanding of all relevant departmental policies and procedures relevant to the role, being compliant with these policies and procedures at all times.
* Undertake any other reasonable tasks as and when requested by management.
* Support the risk culture of the organisation by taking personal responsibility for identifying and managing risks in everything you do.
* Comply with all company policies and procedures and legislative and regulatory requirements, including, but not exhaustively, those related to GDPR, Financial Crime, including Money Laundering & Fraud, Health & Safety, PRA/FCA regulations, employment and other legislative requirements (as applicable) ensuring a good understanding, a knowledge of the key risks and the duty of care required to abide by them to protect the Bank.
* Ensure adherence to all audit and compliance requirements and Bank Policy and Procedure.
* Develop and maintain an up-to-date knowledge of Compliance & Risk regulatory and legislative information related to products/services (e.g. PRA/FCA rules, Data Protection, Money Laundering, etc.), as advised by line management.
Apply today to become part of Hodge’s mission to make life better for customers and society in the moments that matter.
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