Risk Manager - NPL
- Full-time
- Department: Restructuring & SME Credit
Company Description
Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.
The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.
Work with us because you:
- Want to be part of a bank built for the dynamics of the modern world
- Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
- Enjoy finding new and better ways to solve complexity and make things happen
- Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
- Care about society and the environment and want to be part of a business that cares too
- Want to continue to grow professionally and be the best version of yourself
Job Description
The Risk Manager CRT provides the administrative, systems and MI backbone for the effective ongoing management of a loan portfolio. The role is responsible for maintaining accurate portfolio data and operating portfolio management systems. The role requires adherence to operational procedures and company values, promoting integrity and consistency in all activities. The role is not client-facing and does not carry direct relationship-management responsibility; it exists to enable Construction Risk Directors to focus on client engagement band site visits by ensuring the underlying administration, data and reporting are accurate, current and complete.
Key Responsibilities
Portfolio Administration
- Administer the in-life activities of a loan portfolio (drawdown processing, document filing, data capture).
- Maintain and update portfolio management systems and trackers, ensuring data accuracy and completeness at all times.
- Prepare and quality-check documentation packs in support of drawdowns.
- Own the portfolio's data hygiene — resolving discrepancies, closing data gaps, and ensuring system records reconcile to source documentation.
Systems & MI
- Operate and maintain portfolio management and reporting systems, acting as first point of contact for system queries and access issues within the team.
- Produce regular MI and reporting packs (portfolio trends, site visit schedules) as required.
- Build and maintain templates, trackers and standard reports to drive consistency and efficiency across the team.
- Escalate system issues, data quality problems or process breaks to the appropriate stakeholders and support their resolution.
Risk & Compliance
- Ensure adherence to internal policies and procedures in all administrative and data-management activities.
- Identify potential risks surfaced through data and MI monitoring (e.g. missed covenants, approaching expiries, incomplete documentation) and escalate promptly.
- Support a forward-looking approach to risk management by ensuring monitoring data and deadlines are tracked and visible ahead of time.
- Internal Stakeholder Support
- Provide administrative and reporting support to Construction Risk Directors, Credit and NPL teams on underperforming loans, without direct client contact.
- Work collaboratively with colleagues to drive efficiencies, standardise processes and raise data and reporting standards across the team.
- Respond to internal requests for portfolio data and status updates accurately and within agreed timeframes
Qualifications
Skills & Experience
Portfolio Administration & Systems
- Proficient in administering a comprehensive portfolio of loans, including data entry, tracking and reporting.
- Strong working knowledge of portfolio management, document management and reporting systems.
- Competent in collating key information and preparing documentation in support of loan restructures, including basic loan modelling.
Data & Reporting
- Advanced Excel skills and strong attention to detail in data management and reconciliation.
- Able to produce clear, accurate MI and reporting packs to tight deadlines.
Operational Excellence
- Ability to manage personal time and workload across multiple systems and deadlines.
- Highly organised, process-driven, and comfortable owning administrative accuracy at scale.
Education/Professional Qualifications
Shawbrook is committed to providing opportunities to all candidates and understands that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education.
Key attributes
Communication Skills
- Clear and effective communicator in writing, particularly in MI, reporting and internal correspondence.
- Able to present data and status updates clearly to internal stakeholders.
Accuracy & Problem-Solving
- Proactively identifies data and process issues and escalates to appropriate persons in a timely manner.
Technical Acumen
- Good understanding of loan documentation, portfolio systems, and MI/reporting processes.
- Experienced in data entry, tracking tools and portfolio management systems.
Integrity and Professionalism
- Upholds ethical standards and organisational values.
- Maintains confidentiality and demonstrates sound judgment.
Organisational and Time Management
- Manages multiple priorities and deadlines efficiently.
- Ensures timely delivery of individual responsibilities.
Additional Information
Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
- Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
- Free access to Headspace, a mindfulness & meditation digital health app
- Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
- EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
- Cycle to work scheme
- Discounts on gym membership
- Contributory pension scheme & death in service
Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexi-holiday scheme
- Discounts on gym membership nationwide
- Access to discounts on a range of high street and online brands
- Community support and charitable giving
Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
- Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
- Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done
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