Vacancies
We are always on the look out for new talent... Could this be YOU?
Are YOU looking for a rewarding career?
We are looking to recruit people who inspire and are passionate to get involved and make a real difference.
The success of our business has been built upon our people being passionate about customer service, creating an enjoyable work environment and through their own actions making a real difference in the community.
Together as one team our people are encouraged to get involved with changing the way we do things to offer excellent customer service and are recognised for their efforts.
Our people success is driven by the Conister Code:
- Customers - excellence of service
- Ownership - attitude of excellence
- Integrity - doing the right thing
Come and join our team...
If you are looking for a career change, are driven by success and are a person of value, we would like to hear from you.
Review our opportunities to join our Talent Network.
Equal Opportunities
Conister Bank Limited recognises and actively promotes the benefits of a diverse workforce and is committed to treating all employees with dignity and respect regardless of race, gender, disability, age, sexual orientation, religion or belief. We therefore welcome applications from all sections of the community.
Senior Credit Underwriter
We have a great opportunity for a Senior Credit Underwriter to join Conister Bank, part of the AIM listed financial services company, Manx Financial Group PLC.
Reporting to the Bank’s Head of Credit Risk you will join an experienced team of Underwriters.
You will be expected to assess credit applications and make decisions based on our credit policy and your delegated authority. You will contribute to developing underwriting criteria as markets evolve.
To excel in this role, you will have had experience working in a similar organisation underwriting asset finance applications.
This position has the option to work remotely or within our IOM or UK offices.
The closing date for applications is Friday 12th March 2021. Direct applicants only.
Please see below to view the full job description or to apply.
General purpose
We are looking for a Senior Credit Underwriter with experience in Asset Finance (underwriting both soft and hard asset applications). Underwriting limits will ideally range from £50K to £500K. The candidate will be required to analyse and assess credit proposals and liaise with colleagues to ensure we obtain all relevant information from customers/partners, working to service levels for excellent customer service. Further the successful candidate will be expected to contribute to the evolution of credit criteria.
Key tasks and responsibilities
- Guide, manage and coach the underwriters
- Monitor and ensure optimal resource allocation amongst the underwriters
- Assess credit applications from reviewing the proposal form, credit bureau searches, supporting information including bank statements, financial accounts and any other additional information required.
- Analyse affordability measures, financial crime risks and fraudulent applications, and credit backgrounds
- Provide industry regulatory support and understanding to the business in order to strengthen future frameworks
- Produce reports on trends, volumes and data relating to applications to senior management
- Adhere to credit policy, credit guidelines, service levels and his/her own delegated authority
- Make credit recommendations to the senior management and credit committee for proposals outside of their delegated authority
- In depth understanding of financial statements and principles of lending
- Work with the sales team/brokers to maximise opportunity
- Assist the Head of Credit Risk to ensure the credit policy is current and provide recommendations on improvement and enhancements to credit policy and credit guidelines
- Assist the Head of Credit Risk in automation of credit process and decisioning where applicable
- Good knowledge of regulatory matters including KYC processes
Principle Accountabilities
- To the Head of Credit Risk, Conister Bank
Working Relationships
- Liaison with Credit Team, Operations & Compliance teams and other business areas.
- Interaction, when required, with UK brokers to manage and improve relationships.
Knowledge, Experience and Skills
- Proven experience working in a credit role within the financial services industry or specific asset finance experience
- Understand the relevant UK Regulatory requirements relating to the provision of credit facilities in these jurisdictions
- Excellent interpersonal and communication skills are essential as this role will involve influencing at all levels
- Excellent organisational and communication skills
- Good verbal and numerical skills
- Ability to work under pressure
- Good working knowledge of Microsoft Office packages
- Planning and organisational skills
- Active listening and questioning skills
- Interpersonal skills to allow ability to maintain relationships
- Work produced to high quality standards
- Professional detailed conscientious approach to work
Competency Framework
- Customer Focus – Level 3
- Teamwork – Level 3
- Communication – Level 3
- Adaptability and Learning – Level 3
- Planning and Accountability – Level 3
Head of Credit Risk
We have a unique opportunity for a Head of Credit Risk to join Conister Bank, part of the AIM listed financial services company, Manx Financial Group PLC.
Reporting to the Bank’s Credit Committee you will join our Senior Management Team and will lead and manage a team of experienced Underwriters. You will be expected to analyse and assess credit proposals prior to their submission to our Credit Committee and Board, and you will be responsible for challenging credit policies, processes and controls. This position has the option to work remotely or within our IOM or UK offices.
To excel in this role, you will have:
- a proven track record in a senior credit risk role within the financial services industry;
- an in depth understanding of financial statements and the principles of lending;
- an excellent understanding of the relevant IOM and UK Regulatory requirements relating to the provision of credit facilities; and
- have dynamic leadership and management skills.
In turn, you can expect the salary and benefits to be commensurate with the importance of the position.
Please see below for a full job description or to apply.
The closing date for applications is Friday 5th March 2021.
General Purpose
The Head of Credit Risk will be experienced in all credit products including Structured Finance, Asset Finance, Regulated and Non-Regulated Lending. The jobholder will be required to conduct credit assessments in accordance with delegated limits ranging from £500K and above.
The jobholder will be required to analyse and assess credit proposals received from customers/partners prior to submission to the Credit Committee and the Conister Bank Limited Board (and its subsidiary Board).
To liaise with colleagues across the business to ensure all relevant credit policies are being adhered to and to ensure teams are working to service levels for excellent customer service.
The jobholder will have the opportunity to challenge credit policies, processes and controls and will have line management responsibility for the Credit team.
Key tasks and responsibilities
- Lead, manage and coach the Credit Team.
- Monitor and ensure optimal resource allocation amongst the Underwriters.
- Critically and objectively assess and challenge credit applications prior to submission to Credit Committee and the Conister Bank Board.
- Analyse affordability measures, financial crime risks and fraudulent applications, and credit backgrounds.
- Provide industry regulatory expertise and understanding to the business in order to strengthen future credit and risk frameworks.
- Produce reports on trends, volumes and data relating to applications to the Board and Senior Management Team.
- Adhere to the Credit Policy, credit guidelines, service levels in accordance with the Banks Underwriting Authority Mandate (“UAM”).
- Make credit recommendations to the Credit Committee for proposals in line with the Banks UAM.
- Work with all Divisions (IOM, UK broker and UK wholesale) to maximise opportunity.
- Assist the Credit Committee and COO to ensure the Credit Policy is current and provide recommendations on improvement and enhancements to Credit Policy and credit guidelines.
- Assist the COO in automation of credit process and decisioning where applicable.
- To build and maintain flexible working partnerships both internal and externally.
- Promote and adhere to the Company’s culture and values.
- Identify and drive own and team members’ personal career development needs through self-analysis and feedback from others.
Principle Accountabilities
- To the Chief Operating Officer, Isle of Man
- Credit Committee
- Conister Bank Limited Board
Knowledge, Experience and Skills
- Professional qualification is desirable.
- Proven experience working in a senior credit role within the financial services industry or specific Wholesale Finance experience.
- Strong leadership and management skills.
- In depth understanding of financial statements and principles of lending.
- Excellent understanding of the relevant UK Regulatory requirements relating to the provision of credit facilities and KYC processes in these jurisdictions.
- Excellent interpersonal and communication skills are essential as this role will involve influencing at all levels.
- Ability to work under pressure.
- Planning and organisational skills.
- Active listening and questioning skills, with the confidence to objectively challenge.
- Highly numerate and proficient in MS Office.
Working Relationships
- Conister Bank Limited Board
- Credit Committee
- Executive Committee
- Executive Directors Conister Bank and subsidiaries
- Compliance & Risk, Credit and Operations
- Third parties: lawyers, accountants, auditors etc.
Decision Making Authority
- As detailed in Underwriting Authority Mandate and in accordance with the Credit Policy.
Core Competencies
- Customer Focus - Level 4
- Teamwork - Level 4
- Communication - Level 4
- Adaptability and Learning - Level 4
- Planning and Accountability - Level 4
- Personal Accountability and Ownership - Level 4
- Judgement - Level 4
