Job Introduction
The Local Credit Team has functional responsibility and accountability for granting credit in their area of responsibility and ensuring the Bank complies with Handelsbanken's credit policy
The key stakeholders for the Local Credit team are UK Credit, the UK Board, Board & Risk Committee, Districts, Branches, Chief Branch Officer, external and internal auditors, UK Credit Risk Control, Products and Compliance.
Main Responsibilities
- Analysing credit proposals; advising and supporting branches using a good working knowledge and application of the Bank’s credit policy and rating system
- Providing verbal and written communication to deliver credit decisions; demonstrating interpersonal skills to effectively debate and support discussions on credit proposals and policy
- Supporting the branches with structuring lending proposals with appropriate covenant measures and security profiles
- Understanding the department’s place in the arrow to support branches and has an open consultative approach. Always willing to support the branches and colleagues
- Working with numerous credit proposals in a timely manner whilst performing a number of additional credit duties as part of the team to ensure good workflow at all times
- Conducting precise analytical reviews of all aspects of the work performed by the branches to ensure that the highest credit quality standards are maintained
- Supporting and coaching of staff via CQE feedback
- Provide guidance, support and training on the Bank’s applications and credit related documentation including KREDL, DEKT, RAKT etc
- Support to branches via branch visits including assistance with prospect lists and early identification and follow-up of high-risk cases
- Operate in line with the Bank's Risk Management framework (including sub-frameworks) and relevant risk and compliance policies and procedures, ensuring appropriate and timely escalation of any concerns to their line manager
Ideal Candidate
Research (by Harvard University) shows that women are particularly likely to second guess themselves and not apply - so if you are worried you don't meet all the criteria, get in touch anyhow and let us do the worrying…
- Excellent verbal and written communication skills with the ability to analyse, articulate and present complex issues clearly and concisely
- Well-developed presentation skills
- Ability to build strong professional relationships at all levels, internally and externally, and represent Handelsbanken effectively
- Interpersonal skills and the ability to work well with impact with people at all levels
- Integrity and discretion
- Ability to work well under pressure
- Attention to detail and an organised approach to work
Company Information
Handelsbanken is a relationship bank with a decentralised way of working, a strong local presence thanks to a nationwide network of branches, and a long-term approach to customer relations. Each Handelsbanken branch operates as a local business enabling it to make decisions at a local level and provide a bespoke service. The focus is always on the need of the individual customer and not on the sale of specific products.
The Bank is deeply committed to embedding good equality and diversity practice into all of our activities. This is so that we are an inclusive, welcoming and inspiring place to work that encourages everyone to apply, regardless of socio-economic background, age, disability, pregnancy and/or parental status, race (including colour, nationality, and ethnic or national origin), veteran status, marital and civil partnership status, religion or belief, sex, gender reassignment or sexual orientation.
Check our Handelsbanken website for further information
At Handelsbanken, we deeply value our unique culture and values including trust in and respect for each individual. We take pride in nurturing a work environment where people flourish, and where they are empowered to take decisions in their areas of expertise. We take a long term perspective in everything we do and want each employee who joins us to build a long terms successful career with the Bank.
What is in it for you?
- We have a wide range of learning and development available, empowering and enabling our colleagues to take ownership of their own development.
- Competitive Salary and an extensive range of benefits is provided, including private medical insurance, income protection and life assurance
- A market-leading pension contribution of 15% paid by the bank, which can be invested in a wide range of funds (including ESG and Shariah funds)
Application next steps
Your journey with us begins once you have submitted your application. One of our Handelsbanken recruiters will be reviewing your details and will later organise a phone conversation if you match the role requirements. If there is a mutual fit, we will extend an invitation for you to participate in an interview.
How can we support you to be your best self? Our Talent Acquisition team will be happy to provide support e.g. if you need additional time to prepare for an interview or you have any requirements for any part of the interview/hiring process – just let us know by email uk_talent@careers.handelsbanken.co.uk.
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