Analysis, sanction/referral of credit applications from the SME sector with effective utilisation of an approved Credit Approval Framework.Use internal & external market intelligence to inform lending decisions and to provide guidance to Risk & Business stakeholders.Adherence with credit policy, credit assessment criteria, systems and procedures.Provide guidance and input to the RM population with regard to risk assessment and income generation.Portfolio management in accordance with BASEL III risk analysis and categorization models of probability of default (PD) & Loss Given Default (LGD).

Review of UK Parent Bank facility agreements, mapping them to NI and ROI products.Altering them so as to be fit for Ulster Bank (encompassing ROI and NI).Liaise with external and internal legal teams to ensure changes are fit for NI and ROI jurisdictions.Liaise with UK Parent Bank Credit Docs team to mark change to UK Parent Bank documentation and have UK Parent Bank coding team code the changes for both system automated and also Intranet based documentation.Carry out initial UAT on the changes (both system automated and Intranet) before engaging the business to carry out UAT for sign off.

Review all OTC derivative trades for credit terms, Setup client profiles across all OTC derivative products.Review executed confirms for inconsistencies between front and back office systems. Interact with various departments throughout the firm such as Global Credit, Settlements. Risk Management and various middle office desks such as equity fixed income and credit derivatives.