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The purpose of Operations is to support Kleinwort Hambros' (KH) strategic objectives of being a best in class client support unit (cost and service) exceeding the requirements and expectations of the business, its clients and stakeholders.
The Operations, Credit Administration team comprises a team of specialists responsible for the preparation of resilient and compliant credit documentation for a broad variety of credit products in accordance with pre-agreed credit proposals. Following drawdown to record facilities on our systems, regulatory reporting and monitoring of security values. To collect all repayments due. Deals with administrative, technical, legal and operational issues.
Summary of the key purposes of the role
Ensuring departmental KPI's are met and work is prioritised, deadlines are met and business stakeholders are kept updated with regard to work in progress
Deal with credit proposals following underwriting and initial credit risk approval, through to drawdown including setting up the loans and collateral in the various systems
Preparation of facility letters and security documentations, compliant with Channel Islands, UK and Gibraltar regulations and strictly in accordance with agreed credit proposals.
Manage loan re-structures, capital reductions and redemptions
Liaise with and instruct lawyers and property valuers
Assist the Team Leader with management and development of team members
Participate in reviewing credit procedures
Assist with the administration of KH Credit Book including sub-participated loans
Assist with Credit Annual Review process
Assist with ensuring documentation and templates are up to date Summary of responsibilities
The job holder will be required to manage their own portfolio of cases and follow each one through from initiation to drawdown. They will be expected to work responsibly with a high degree of autonomy, demonstrating an ability to prioritise different tasks and ensure follow up on cases, whilst keep the relevant internal stakeholders informed.
Interpreting and assimilating an array of variables in a credit proposal and transposing these into the correct document templates (choosing the correct template as applicable).
Problem solving and liaising with relationship managers, risk and legal with regard to various aspects of the credit process is also a key responsibility of the role.
The employee must know and comply with the regulations, rules and procedures, internal and external applicable in the context of its function and follow the compulsory training.
Perform all duties in accordance with the principles outlined in the SG Code of Conduct, as well as the policies and procedures relevant to your responsibilities, to ensure that you adhere to a culture that treats clients fairly and focuses on the long-term sustainability of client relationships.
All our positions are open to people with disabilities
Strong written, verbal and reasoning/problem solving skills
Ability to perform loan/financial calculations such as loan payment amounts, amortization schedules, payoff quotes.
Excellent credit product knowledge, in particular, mortgages for UK, Gibraltar, Jersey and Guernsey property.
Demonstrated ability to work with different departments at all levels within an organization as well as in a team environment
Strong PC skills, including a demonstrated proficiency with Microsoft Office applications
Possess the ability to work accurately and efficiently under time constraints
Strong organization, planning, prioritization and detail orientation skills
Excellent time management skills with a demonstrated ability to multi-task, follow through on commitments, meet deadlines and drive results
Demonstrated ability to work in fast-paced, rapidly changing business environment which requires a flexible and adaptable style Work experience
Worked in a similar position for approx 3 years
Experience of working closely with external partners such as lawyers and valuers
Private Banking or Wealth Management experience of 3-5 years Education
Good general level of education to GCSE/A level - preferably to include Maths and English
CeMAP qualified or willing to study towards same
Desirable but not essential
If you feel you have the required experience and qualifications, then please apply to the SG Resourcing Team, and we will manage your application. At Societe Generale, we believe our people are our strength and are core to the success of our business. As such, we search for, recruit and appoint the best available person on the basis of aptitude and ability, regardless of sex, marital or civil partnership status, race, colour, nationality, ethnic or national origins, pregnancy, disability, age, sexual orientation, religion, belief or gender reassignment
Environment People join for the impact they can have on us. They stay for the impact we have on them. A flatter structure offers visibility and exposure beyond that of our competitors, so you know our names, and we know yours. It's personable, human, and inspires success through passion. By encouraging open mindedness and a willingness to share ideas, we have adapted to market changes and thrived through innovation. Bringing words like "hard work" and "dedication" together with "community" and "respect" has enabled us to work collaboratively and build our future together. We call this Team Spirit and it's what makes us different. It's what makes you different.
Job code: 19000MOV Business unit: Kleinwort Hambros Starting date: 07/10/2019 Date of publication: 13/08/2019
Internal Number: 6310436
About SOCIETE GENERALE
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