Overview

We’re looking for a Senior Risk Assistant who will play a key role in supporting our Chief Risk Officer and strengthening the Bank’s enterprise‑wide risk framework. This is a hands‑on role at the heart of our risk function. As a trusted extension of the CRO, you’ll help ensure the Bank operates confidently within its Board‑approved risk appetite, meets regulatory expectations, and continually improves how we manage risk across the business. You’ll provide clear governance support, offer independent challenge, and help embed strong, consistent risk practices throughout our organisation.

Key Accountabilities

Enterprise Risk Management

• Support the Risk & Compliance Senior Leadership team in maintaining and embedding the Enterprise Risk Management Framework (RMF).
• ​Coordinate and prepare updates to the Risk Appetite Statement, ensuring metrics are monitored, escalated and reported appropriately.
• ​Assist in the identification, assessment and monitoring of key risks across the Bank, including credit, operational, conduct, liquidity, market and strategic risks.
• ​Maintain the risk register, ensuring risks, controls and mitigants are clearly articulated and regularly reviewed with first line management.

Risk Monitoring & Reporting

• Prepare high-quality risk MI and reports  for Executive Risk Committee and Board Risk Committee.
• ​Track risk events, incidents and near misses, ensuring timely escalation and follow-up actions.
• ​Monitor key risk indicators (KRIs) and support root cause analysis where thresholds are breached.

Governance & Committees

• Support the CRO in the effective operation of risk governance forums, including:
  o Agenda setting
  o Paper preparation
  o Action tracking
• ​Draft clear, concise risk papers for senior management and Board committees.
• ​Ensure risk policies, frameworks and procedures are reviewed in line with policy schedules and regulatory expectations.

Regulatory & Compliance Interface

• Assist the CRO in interactions with the regulator, including preparation for supervisory reviews and thematic visits.
• ​Support regulatory submissions and responses relating to risk matters.
• ​Help ensure the Bank’s risk framework aligns with local regulatory requirements and recognised best practice.

Continuous Improvement

• Identify opportunities to streamline and enhance risk processes, MI and reporting.
• ​Support the CRO in implementing improvements arising from internal audit, regulatory feedback or Board direction.
• ​Keep abreast of regulatory and industry developments relevant to offshore retail banking.

Leadership and Engagement 

• Sponsor and engage personally with the Values and Behaviours; challenge examples of unacceptable behaviour

Customer Strategy

• Manage the experience customers have with Skipton and ensure outcomes are achieved that are appropriate for customers 
• ​Deliver excellent service to customers and/or Stakeholders

Requirements 

Essential

Skills and Experience

• Experience in risk management within a regulated financial services environment (banking preferred).
• ​Good understanding of enterprise risk management frameworks and risk appetite concepts.
• ​Strong written and verbal communication skills, with the ability to produce clear Board-level papers.
• ​High attention to detail and strong organisational skills.
• ​Confidence to engage with senior stakeholders and provide appropriate challenge.
• ​Ability to work independently and manage competing priorities in a small team environment.

Desirable

• Experience within an offshore or international banking environment.
• ​Exposure to retail banking products (deposits, lending).
• ​Familiarity with regulatory expectations of offshore supervisors (e.g. prudential and conduct).
• ​Risk or professional qualification (or working towards one), e.g. IRM, ICA, PRM.

Junior Lending Specialist, Underwriting - Guernsey

 This is a really exciting opportunity to work in a growing organisation and would suit a candidate looking to start their banking or lending career in an organisation where there is plenty of opportunity to progress.

Your responsibilities will include (full training will be provided):

• Working as part of a busy front office lending team 
• Meeting clients, answering queries and reviewing mortgage and loan applications within agreed Service Level Agreements (either via email or telephone) and delivering exceptional client service.
• Acting as both an internal and external credit advisor, assessing client structures and devising client centric solutions.
• Reviewing and renewing existing loan facilities.
• Presenting cases at the bank’s credit committee.
• Assisting other Lending Officers in the approval and conclusion of the facilities they underwrite.
• Working with other departments including Credit Risk & Credit Ops to ensure credit facilities remain within our defined risk strategy and ensuring that risk culture is built into all new product design, case submission and portfolio review.
• Making recommendations for continuous improvement to the lending process
• Contributing to CI lending targets.

Your qualifications and skills include:

• Hold or are prepared to undertake relevant qualifications e.g. CEMAP
• Good administration skills
• Speed, accuracy and reliability
• Excellent communication skills / prepared to meet with external customers
• Co operative attitude.

Customer Experience Representative (Complaint Handler) - Guernsey or Jersey

Overview

At Skipton International, we’re committed to delivering exceptional customer experiences. As a Customer Experience Representative (Complaint Handler), you’ll play a key role in understanding and resolving customer queries, ensuring outcomes that are fair, compliant, and aligned with our values. You’ll be a role model for outstanding service, working across teams to improve processes and champion the voice of the customer. This is a great opportunity to make a real impact in a dynamic, customer-focused environment.

Key Accountabilities

• Deliver high-quality, compliant customer service that supports positive outcomes and minimises complaints escalation.
• Resolve customer queries and complaints effectively, aiming for first point of contact resolution.
• Build strong relationships to understand root causes of customer sentiment and support continuous improvement.
• Ensure all interactions align with internal procedures, regulatory requirements, and Skipton’s values.
• Maintain customer confidentiality and data integrity in line with security policies.
• Embrace learning, development, and change to support personal growth and team performance.

Responsibilities

• Respond to customer queries across channels in line with Skipton’s complaints framework and service standards.
• Apply knowledge of products, policies, and procedures to deliver accurate and timely resolutions.
• Share insights and feedback to support improvements in customer and colleague experiences.
• Take ownership of individual customer cases, ensuring fair and tailored outcomes.
• Support operational risk management and compliance with all relevant policies.
• Contribute to a culture of continuous improvement, learning, and high performance.