Senior Manager – Credit Quality Assurance Full Time NEW

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions.We offer niche specialty lines, as a SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go-to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.Discover more about working at HTB here – Life at HTB | Careers & Inside Hampshire Trust Bank (HTB)About The DepartmentThe Credit Risk Team sits within the 2nd Line of Defence Risk and Compliance function. The CR team and provides management, control and execution of Credit Risk policy and related processes across HTB’s lending businesses in its chosen specialist industry sectors: Real Estate Investment and Development Finance (including bridging finance/short term lending) and Wholesale Finance (including Structured and Funds Finance and Block Discounting).Roles within the Credit Risk Team contribute to supporting the Chief Risk Officer and Bank Executive by making a significant contribution to the design and execution of credit risk strategy/related processes, providing a centre of excellence for underwriting and credit approvals, undertaking credit quality assurance, and maintaining a detailed oversight and understanding of HTBs growing lending portfolio.Key ResponsibilitiesLead the second line Credit Risk Quality Assurance activity, ensuring Credit Risk policies are effectively embedded across the first and second Line and providing early visibility of emerging credit and regulatory risks. Lead monthly meetings with first line business leaders to review and challenge QA outcomes and agree on appropriate corrective actions Maintain strong, constructive and transparent relationships with all lending businesses. Provide ongoing feedback, guidance and targeted training to first line teams based on identified themes.Produce high quality, insightful and timely risk assurance reports for the relevant CommitteesSupport the provision of information to 3rd Line (Internal Audit) or the Regulators as requiredEnsure the effective operation and governance of Credit Stewardship Oversight Forums, Transactional Credit Committee and Credit Committee, including process management.Support the Chief Credit Officer and the Head of Credit Risk Policy, QA and Frameworks with Credit Risk reporting and related governance activities.Lead the RCSA process for Credit Risk and act as the designated Risk Colleague.Assist in the in organising credit training sessions across the Bank to address identified training requirements.Required Skills & ExperienceDemonstrable and recent experience in credit risk analysis, oversight or underwriting and credit operations Ideally candidates will bring experience from both Challenger bank and mainstream banking environments.Strong analytical skills with solid working knowledge of risk control systems, processes and reporting. Experience in producing high-quality credit risk reports for senior management Evidence of relevant industry qualifications (e.g. CIA, CRMA, CFA or equivalent) preferredStrong IT skillsExceptional attention to detail, strong analytical capability and ability to distil complex information into clear and concise insightsDemonstrated ability to exercise balanced and independent judgement. Excellent planning, organisation, communication and influencing skills. Proven capability to drive change and champion innovation.BenefitsCompetitive remuneration including discretionary annual bonus and annual pay reviewPrivate Medical Insurance (Bupa)Mental health & wellbeing support via YuLife & Bupa25 days annual leave (increasing with service) + Holiday Buy SchemeCycle to Work Scheme & Green Car SchemeEnhanced family leave policiesStudy support & professional membershipsHybrid working (50/50 London)YuLife Rewards – retail, lifestyle & experience discountsPension scheme – 8% employer contribution (non‑contributory)Interest‑free season ticket loanAnnual volunteering day & Net Zero employer commitment