Your role
If you are passionate about risk management and eager to make a difference, we invite you to join our team and help shape the future of banking.
The corporate lending business line is a recent and growing addition to the portfolio of the Bank. As Credit Risk Manager, you will be instrumental in implementing and maintaining the risk management framework for the newly established Corporate Lending Business Line. Your primary responsibility will be to manage financial risks effectively, ensuring the set-up and maintenance of relevant policies, internal controls, and aligning risk management approaches across the bank. The work shall cover the full credit lifecycle. In this role, you bring knowledge on corporate lending activities and have the opportunity to support the expansion of this activity in the upcoming years.
A day in the life of a Credit Risk Officer
Which team will you be joining?
The Integrated Risk Management (IRM) team, which is part of the wider Risk Management & Controlling (RMC) department at Lloyds Bank GmbH, is a team composed of 8 people who safeguarding our financial stability for the retail and corporate business lines. Our team is at the forefront of identifying, assessing, and mitigating financial risks to ensure the bank's resilience and success. We are a diverse group of professionals who thrive on collaboration, innovation, and excellence and value who you are as much as what you can do. We do this by:
- Impactful Work: Contribute to critical risk management initiatives that protect our clients and the bank.
- Collaborative Environment: Work alongside talented colleagues in a supportive and inclusive atmosphere.
- Professional Growth: Access opportunities for continuous learning and career advancement.
- Strategic Locations: Be based in either vibrant Berlin, Germany, or the dynamic city of Amsterdam, the Netherlands.
Governance Framework:
- Expand and maintain the Governance Framework for corporate lending in line with the Bank’s Risk Management Framework (RMF) and Risk Appetite Framework
- Support the development of new policies and procedures as more new product types will be added to the corporate lending product suite
- Align requirements between Lloyds Banking Group, Local regulation (e.g. EBA and ECB requirements) and the bank’s appetite and reflect this in the policies, procedures and processes
- Collaborate closely with local and Group risk colleagues to align on approaches to manage the credit risk and expand the corporate lending business within the EU.
- Create, implement, and maintain the policy house for corporate lending activities and ensure policies and procedures remain up to date as regulation evolves and new products get added.
- Regularly perform control effectiveness tests and manage the Risk Control Self-Assessment System (RCSA) for Corporate Business to assess if policies and procedures are complied with
- Perform oversight over 1st line controls to ensure these operate effectively
- Identify and assess risks to ensure they are managed within the bank’s risk appetite and provide advice on the setting of credit risk appetite for corporate exposures
- Act as a source of professional expertise to mitigate potential risks and ensure systems and processes are fit for purpose.
- Train and educate colleagues on effective management of internal controls related to financial risks.
- Analyse relevant regulatory developments (CRR, CRD, MaRisk, EBA Guidelines) and provide recommendations for implementation and compliance.
- Support the analysis of new corporate transactions from this regulatory perspective.
- Prepare timely, accurate, and insightful management reports for both internal and regulatory purposes.
You recognize yourself in this profile
Experience and Knowledge
- At least 5 years of professional experience in financial and non-financial risk management in corporate lending, preferably in an ECB-supervised institution.
- Knowledge on corporate products, mainly in the lending and trade finance area
- Deep understanding of various risk types the bank is exposed to, both financial and non-financial.
- Comprehensive knowledge of EBA requirements and ECB expectations for managing a bank’s risk profile.
- Data analytics and programming skills (VBA, SQL, Python) are a plus.
Qualifications
- Postgraduate qualification in a relevant subject (e.g. business economics, law, econometrics), with a track record of continuous development.
Skills and Capabilities
- Highly analytical approach to problem-solving
- Strong writing skills
- Excellent planning and organizational skills.
- Self-motivated, well-organized, and able to work under pressure.
- Hands-on mentality with a proactive approach to challenges.
- Excellent communication skills in English; proficiency in German or Dutch is a plus.
What's in it for you?
On top of being part of a great group of colleagues we offer you a position for 32 to 40 hours a week. This aligns with a compensation package in line with the market and excellent secondary employee benefits, including:
- 13th month salary, either paid monthly or once a year in December
- 30 days PTO (or 240 hours) per year (based on fulltime employment)
- You can ‘Swap Days’ to exchange Dutch National Holidays for another day of your choosing
- Non-contributory pension scheme
- You can join our collective medical scheme with a discount
- To support our Green goals, we encourage you to purchase a bike via our bike plan
- We want you to be healthy, so support you in joining a gym of your choosing through our sponsored (bedrijfs-) Fitness
- Get to know everyone in person and join the quarterly Connection Events
- Flexible working; you can schedule your work hours to meet your personal needs
- Hybrid working; you can work from anywhere, even work from another country within the EU
- And provide you with a home office set up
Your recruitment process
Apply to our vacancies by sending your CV and motivation letter to stanley.waccary@lloydsbank.nl, or use the application form on our website. After receiving your application, we'll review it and share a reply as soon as possible.
After you have submitted your application, our recruiter Stanley Waccary will reach out to you via telephone for an short introductory chat.
Your first chat with us will take place either online or at our Amsterdam office. The goal of this chat is get to know each other, and see if there's a match with the team, the organisation and the open position.
We're excited to have you meet additional collagues. The chat will take place either online or at our Amsterdam office, during which we'll dive deeper into the requirements of the position and the team you'll be joining.
Congratulations! We're happy to have you as our newest addition to the team. Do you feel the same way? Then you'll receive our offer by email. For most roles, a screening is part of the process. This will take place after accepting the offer.
About Lloyds Bank
Lloyds Bank GmbH is part of Lloyds Banking Group, a financial institution with a large clientele in the UK and other parts of the world. Together with our office in Berlin, we form Lloyds Bank GmbH with its headquarters in Amsterdam and we have over 500 colleagues.
We aim to lead by example in the bold decisions we make as a business, from where and how we invest, to the products and services we offer, and of course the workplace we create. We will search for new ways to work with people, communities and businesses, to always evolve with their needs. And we will never stop innovating to make sustainable, ethical choices easy and rewarding.
At Lloyds Bank GmbH we play an important part in peoples’ lives, by the products we offer, and also how we operate. We finance your mortgage, keep your savings secure and also provide you with a personal loan if you need this. In Amsterdam we do this with an enthusiastic team of approximately 200 colleagues from different nationalities, and with an engagement score of 93%, colleagues find us a real ‘Great Place to Work’!
With our grand ambitions, we are looking for new colleagues who will bring fresh ideas to help us grow!
Are you ready to join our journey?
Have we made you curious, and are you ready to join the team? Please introduce yourself to us in the best way possible and send this to: stanley.waccary@lloydsbank.nl, or use the application form on our website. A screening is part of the process.
We hope to meet you soon!
Acquisition to this vacancy is not appreciated.