What is the opportunity?

This is an excellent opportunity to join a growing team in the Group Credit Risk division of Bank of Ireland and gain exposure to a range of credit risk oversight activities across the Corporate & Commercial Banking ('C&CB) loan portfolios (i.e. Corporate & SME Banking, Leveraged Finance, Property Finance and Sustainable Energy & Infrastructure).

You will be accountable for 2LOD credit risk oversight and management of designated C&CB loan portfolios and have the opportunity to provide leadership and collaborate with senior partners across 1LOD and 2LOD to both shape and implement the C&CB lending strategy.

In this role, you will:

• Part of leadership team overseeing a small team of credit risk professionals, supervising the delivery of high quality 2LOD credit risk analysis and opinions for presentation at board-level and executive-level risk committees, as well as internal and external partners (including regulators and external auditors).
• Lead credit risk management oversight and challenge with regard to origination and loan life-cycle credit management strategies for designated C&CB loan portfolios.
• Engage constructively with key partners, including senior leaders in the C&CB and Group Risk divisions, as a recognised credit risk expert.
• Be responsible for completion of effective, sample based, quality assurance of lending and credit underwriting activities carried out by 1LOD teams against relevant criteria (e.g. credit policy/ standards, discretion, terms, etc).
• Constructively challenge the appropriateness of loan origination standards, procedures and impairment measurement processes.
• Leverage emerging data/ MI capabilities to facilitate production of credit risk insights (e.g. monitoring early warning indicators / trend analysis to identify emerging risks) and influence credit risk management decisions.
• Monitor regulatory changes as they relates to credit risk in C&CB lending and any related impacts such as IFRS 9 impairment measurement, asset quality reporting/ monitoring, etc.

What will make you stand out?

• Seasoned experience in a commercial lending role and/or working in a risk management environment.
• Highly motivated with an ability to meet targets within tight timeframes.
• Demonstrated leadership skills with the ability to deliver in an environment of continuous change and influence senior leaders.
• Clear understanding of relevant regulatory guidelines and internal risk management framework.
• Strong analytical skills, including analysis and interrogation of data to identify trends and articulate credit insights.
• Outstanding written communication skills, with ability to create papers/ presentations to Board-level standard.

In addition though not crucial the following would be a strong bonus!

• Experience within Corporate Banking and / or Business Banking lending or underwriting teams.
• People management experience.

Essential Qualifications

There are no minimum educational requirements for this role.

More about the team

Corporate & Commercial Credit Risk is a team that sits within Group Risk and is responsible for second line of defence (2LOD) credit risk oversight and management of the Corporate & Commercial Banking lending portfolios.

This is a hybrid role, based primarily at the Dublin office. We typically ask colleagues to spend a minimum of 8 days per month working in-person to support collaboration and connection. Specific arrangements will be confirmed by your recruiter to ensure they meet the needs of the role and team.

Why work with us?

The Bank of Ireland company culture prioritises work-life balance with a commitment to hybrid working, along with 25 days annual leave and excellent pension contributions. Family can mean different things to different people; we offer 6 months paid maternity leave, an innovative fertility and surrogacy policy along with working parent and carer supports.