Risk Analyst (Credit Admin Officer)

Responsibilities and Main Duties

• Obtain quotes from Surveyors & Solicitors in relation to approved transactions and liaise with internal stakeholders in order for the quotes to be agreed prior to instructing the relevant party. Thereafter appoint/instruct surveyors and advise the case manager so that they can instruct solicitors.
• Issue valuation fee letters to clients.
• Diarise any conditions subsequent and ensure these are completed on or by the due date(s).
• Ensure all invoices received from brokers and valuers are paid in a timely manner.
• Four eyes check of safe custody of legal documentation and maintenance of Security Register.
• Ensure all transaction documents that have not been uploaded by the case manager or which are received post drawdown are uploaded to Datastore.
• Ensure rent review letters for Islamic Loans are issued regularly as required.
• Managing property valuation, insurance and lending database.
• Managing renewals as per Bank’s lending policy and Procedures.
• Inputting limits on Equation as requested by Credit Risk.
• Managing the annual review process (if transferred to CAD).

Required Competencies

1. MS Office suite, DataStore, Internet, Equation.
2. Knowledge of Equation (loan system).
3. Good understanding of Industry practice and proportional risk management approaches.
4. Proven competency of working within a Financial Services environment, ideally within an Operations/Credit Administration team.
5. Identifies and shares best practices and lessons learned.
6. Loans administration experience (including in Islamic financing would be helpful).
7. Attention to detail.
8. High levels of drive and motivation.
9. Ability to communicate proactively (both written and oral).
10. Ability to operate in a pressurised team.
11. Analytical Skills – you will need to demonstrate the ability to assess data and convert it into information that helps support decisions.
12. Industry and Market Knowledge – you will need to demonstrate the ability to understand industry practice, typical data ranges and product solutions.
13. Soft skills – you will need to demonstrate the ability to communicate clearly in both written and oral presentations, and display the ability to work under stress and pressure in a changing environment.
    
    

Conduct rules for all staff

• Be open and cooperative with the Bank, the FCA, the PRA and other regulators.
• Pay due regard to the interests of customers and treat them fairly.
• Observe proper standards of market conduct and business conduct.
• You must take reasonable steps to ensure that the business of the firm for which are responsible is controlled effectively.
• You must take reasonable steps to ensure that the business of the firm for which you are responsible complies with the relevant requirements and standards of the regulatory system.
• You must take reasonable steps to ensure that any delegation of your responsibilities is to an appropriate person and that you oversee their effectively.
• You must disclose appropriately any information of which the FCA or PRA would reasonably expect notice.
• Ensure you are trained and comply with the Bank's Policy and Procedures regarding Money Laundering detection and reporting, and that any weaknesses identified in AML Procedures and Compliance is promptly addressed.
• Ensure you are trained and comply with the Bank’s Policy and Procedures regarding Consumer Duty and also Treating Customers fairly, and ensure good customer outcomes.