Credit Manager

Job Description

We are looking for an experienced Credit Manager to assess and evaluate lending applications through robust credit risk assessment, affordability analysis and sound financial principles. The successful candidate will support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework.

Working closely with business stakeholders and relationship teams, you will provide expert credit guidance, make prudent lending decisions, identify growth opportunities and contribute to maintaining a high-quality credit portfolio.

Qualifications

Key Outputs

• Articulate credit appetite based on risk appetite for sector and give guidance structure of deals and documents (legal and collateral) required. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities. Conduct annual risk reviews on the existing portfolio base. Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Development experience advantageous in the event the mandate is extended to SBO. Skill-set to include assessment of cost-to-complete, equity contribution, contingency, presales or pre-lets, contractor and developer capability, drawdown controls and quantity surveyor reporting.
• Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
• Ensure covenants, information undertakings, cure rights, conditions precedent and drawdown controls are measurable and effectively monitored.

Essential

• Degree in Business, Commerce, Finance or a related discipline.
• Approximately 10 years' experience in credit risk management within banking or financial services.
• Strong understanding of corporate credit risk, lending products, derivative products and associated credit documentation.
• Comprehensive knowledge of credit policies, risk frameworks, Basel requirements and applicable regulatory standards.
• Experience engaging with senior client stakeholders, including Managing Directors, Finance Directors and Financial Managers.
• Proven people leadership experience with the ability to develop high-performing teams.
• Strong analytical, decision-making and stakeholder management skills.

Advantageous

• Postgraduate qualification would be advantageous.
• Real estate (ideally UK), property finance or structured lending education.

Behavioural Competencies:

• Examining Information
• Making Decisions
• Upholding Standards
• Directing People
• Establishing Rapport

Technical Competencies:

• Risk Identification
• Risk Management
• Risk Measurement
• Risk/ Reward Thinking

Additional Information

Closing date

30 November 2026

Salary from £60,000

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