Duties and responsibilities:

The role holder will provide support to the Credit Function of the Gibraltar Bank and its London Branch. This involves undertaking the following:

• Supporting the Head of Credit Risk Management in the evaluation, preparation and submission of credit applications.
• Preparation of all credit related documentation i.e. 
  • Facility Letter o Pledge documentation 
  • Registration of charges
• Processing new limits and attach collateral to limits.
• Processing renewal of limits and collateral.
• Managing and processing the set up or the rolling of Lombard and property mortgages including:
  • obtaining rates from treasury and ensuring the commercial mortgage is input correctly on Avaloq including any sub-participation;
• Managing and processing the set up of sub-participation
• Processing applicable Treasury Rates to relevant credit facilities i.e. monthly overdraft rates;
• Support the Head of Credit Risk Management with credit monitoring related activities including assessing unauthorised overdrafts, collateral shortfalls and limit breaches, ensuring that these are appropriately reported.
• Daily monitoring and review of credit risk and violations (limit excess, collateral shortfall and/or unauthorised credits);
• Support the Head of Credit Risk Management preparing reports, presentations and KPIs as may be required.
• Monitoring payment approvals in the event of credit violations;
• Maintain up-to-date procedures for credit tasks.
• Assist the Head of Credit Risk Management with any other tasks allocated.
• Maintain a strong compliant culture adhering to all relevant BJSS directives and relevant regulatory framework.
• Follow the company’s annual training plan and program.
• Exercise duties and tasks in line with the company’s Directives and Governance framework.
• Ensure the company complies with all BJSS policy directives and the external regulatory framework.
• Maintain a business oriented, efficient and effective Credit Risk Section.
• Provide absence cover for the Head of Credit Risk Management

Competencies:

• Experience in credit processing tasks
• Risk aware and be able to demonstrate continuous professional development
• Good understanding and management of Bank‘s Credit and Operational risks
• Strong relationship skills (internal and external)
• Strong awareness of the risk environment with a passion to succeed
• High level of integrity
• Ability to work under pressure
• Strong communication skills – verbal and written, the role holder will be expected review and provide clear feedback on credit approval documentation and be able to challenge the quality of submissions received.
• Strong IT skills; learn to use multiple systems interchangeably for the completion of everyday tasks
• Excellent time management skills and ability to multi-task and prioritise work, as well as being able to stop/start tasks when reprioritised
• Attention to detail and problem solving skills

Expected requirements:

• Graduate in a relevant field, preferred
• Relevant Credit / Credit Risk qualification essential 
  • CeMAP qualification (essential)
  • CISI Risk Management (or similar, very desirable)