Credit Risk Manager

Are you an experienced and innovative Credit Risk Manager seeking an opportunity to make a significant impact within a dynamic financial institution? Dudley Building Society is actively seeking a talented individual to join our dedicated Governance, Risk and Compliance team. As a Credit Risk Manager, you will play a crucial role in managing mortgage credit risk, including propensity for default (PD) and loss given default (LGD), throughout the mortgage lifecycle from product design and new business origination through to underwriting and arrears management. This will include associated regulatory requirements, policies and procedures.

Your day to day responsibilities will include but are not limited to:

• Overseeing the lending policy that reflects the lending appetite for new business
• Overseeing the mortgage underwriting process, including training & competence, process effectiveness and policy compliance.
• Overseeing the mortgage arrears management process including training & competence, process effectiveness and policy compliance.
• Reviewing policy exceptions and proposed policy changes from Distribution, Underwriting or Products
• Reviewing the effectiveness of the credit risk model, including inputs and outputs and any changes proposed
• Understanding the impact of forthcoming changes to regulations and the external environment on the Society's mortgage credit risk
• Effective collaboration with other colleagues in Governance, Risk & Compliance, in particular operational risk, QA, prudential risk oversight and governance.

What we're looking for:

• Experience working within a Credit Risk function or as a Senior Underwriter, within the Mortgage sector.
• Knowledge of regulatory requirements.
• Strong stakeholder management skills
• Excellent written and verbal communication and interpersonal abilities.
• Attention to detail to maintain a high level of accuracy with an analytical mindset.
• Strong organisation and planning skills; you'll need to love spinning lots of plates.
• Strong numerical skillset: a numerical degree or equivalent is preferrable, but not essential.

In Return

In return we offer:

• Salary of £55,000-£65,000 per annum (FTE) depending on experience
• Intelligent working practices enabling you to work both at home or in the offices in Brierley Hill - work where best suits your day ahead!
• Basic holiday of 30 days + Bank holidays + Moments that matter days (Think birthdays, weddings + time off to getting the keys to a new house or welcoming a grandchild!)
• Pension contribution of up to 8% of salary
• Life assurance 4 x salary
• Full Private Medical Insurance
• Healthcare plan covering some of those day-to-day health bills like your dental and optical bills
• Access to our new Electric Car Salary Sacrifice scheme

Diversity and Inclusion

Our workplace culture respects, welcomes, and supports diversity and inclusion, empowering our People to embrace being a fundamental part of everything we are, and everything we aim to be. We treat everyone with the dignity and kindness they deserve, and strive to encourage and celebrate all the things that make each of us unique.

And that's not all

We're certified as a Great Place to Work in the UK, and there's a reason for that. Check out our careers page for more information about what it's like to join The Dudley team, who we are, what drives us, and why you should join us.

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