Ultimate Banking
Prudential & Credit Risk Manager
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Prudential & Credit Risk Manager
Manchester - Hybrid – 2-3 days in the office each week
Salary dependent on experience + bonus / benefits
Our client is a highly customer-focused mortgage lender who are recruiting for a Prudential & Credit Risk Manager. You will provide independent oversight and constructive challenge across prudential and mortgage credit risk, helping to safeguard the company’s financial strength, capital position, and regulatory compliance. The role works closely with the Chief Risk Officer to strengthen the overall risk management framework, identify and address emerging risks, and support the organisation’s objectives for sustainable growth.
Key responsibilities of the Prudential & Credit Risk Manager include:
- Plan and organise second-line reviews of regulatory documents, focusing on key risk areas and governance priorities.
- Lead deep-dive analysis of credit, prudential, liquidity, capital, market, and balance sheet risks, identifying emerging risks and trends.
- Provide constructive, independent challenge to Finance, Treasury, Underwriting, and Risk teams.
- Prepare concise risk dashboards, reports, and data packs for Credit Committee, ALCO, and other governance committees.
- Challenge regulatory reporting, data quality, and the controls supporting regulatory submissions.
- Oversee underwriting standards and credit risk appetite across residential mortgages, BTL, and complex niche lending.
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Required skills & experiences:
- You will be a second-line risk professional from a mortgage lender or smaller bank, with strong hands-on experience across prudential risk.
- ICAAP/ILAAP, capital, liquidity, stress testing, risk appetite, and portfolio credit risk exposure is essential.
- You will be able to show proven experience of challenging the first line and presenting to senior risk/Board committees.
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This is a great opportunity for a Prudential Risk specialist who has been exposed to the whole balance sheet from the second line and has ample mortgage credit expertise to challenge underwriting and portfolio risk. In return you can expect a competitive salary and benefits, including a generous pension, health benefit, and much more. If this role sounds like the next challenge for you, then we look forward to receiving your application.
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