Job Introduction
The Local Credit Team had functional Responsibility for supporting branches to grow their business profitably whilst maintaining the integrity of the Bank’s credit policy and providing guidance at an early stage
The key stakeholders for the Credit Analyst are UKK, Districts, Branches, Chief Branch Office.
The Credit Analyst role is based in one of three Local Credit teams across the UK, but flexible working arrangements can be discussed based on individual circumstances.
We will consider applications from those who are able to work a minimum of 3 days per week.
Main Responsibility
- 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.
The Ideal Candidate
- 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.
- Highly analytical
- Strong attention to detail
- Sound knowledge of Business control and analysis
- Good knowledge of Microsoft office tools, especially Excel, Access and Power Point
- Structured work practise and a strong sense of administrative order
- Strong communication skills
Compliance with the 6 Conduct Rules
- Act with integrity;
- Act with due skill, care and diligence;
- Be open and co-operative with the FCA, PRA and other regulators;
- Pay due regard to the interests of customers and treat them fairly;
- Observe proper standards of market conduct.
- You must act to deliver good outcomes for retail customers
Core Values
- Is business-oriented and focuses on the customer.
- Takes a long-term approach.
- Has the courage to make decisions.
- Is innovative and proactive.
- Takes responsibility for their own development.
- Has high ethical and moral standards.
- Likes good administrative order.
- Collaborates with others to achieve joint goals.
- Contributes to the development of operations and colleagues.
Package Description
Competitive plus benefits
About the Company
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.