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- Tasks: Lead credit risk management and inspire a high-performing team in a dynamic banking environment.
- Company: Join a fast-growing, entrepreneurial bank known for innovative lending products and cutting-edge data analytics.
- Benefits: Competitive salary, equity options, and the chance to work with advanced technology.
- Why this job: Be part of a transformative role that impacts ambitious businesses and drives growth in commercial banking.
- Qualifications: 10+ years in SME or Commercial Credit risk with senior leadership experience required.
- Other info: Opportunity to collaborate closely with the Board and utilise AI and automation in credit processes.
Head of Credit Risk – Commercial Banking
London
c.£175,000 to £250,000 pa + equity
Below, you will find a complete breakdown of everything required of potential candidates, as well as how to apply Good luck.
Our client is a fast-growing and entrepreneurial bank that provides a range of innovative lending products to fast-growing and entrepreneurial businesses. Substantially-backed and highly profitable, it deploys cutting-edge data analytics and deep sector knowledge in a way that all other commercial lenders aspire to.
The Role:
- Reporting to the Chief Risk Officer to lead the bank\’s credit risk management committees and refine the credit risk policy and appetite to maintain growth whilst protecting the quality and quantity of business written.
- Reporting and insight to the Board on key risk indicators and portfolio performance.
- Leading, inspiring and growing a high-performing credit risk team.
- Working with and collaborating closely with the bank Board and commercial functions to maximise new business potential.
- Managing credit underwriting standards, portfolio balance and impairment frameworks.
- Driving transformation initiatives across credit policies, systems and workflows to enhance productivity and performance.
The Candidate:
- A dynamic credit leader with commerciality and sound judgement and who can thrive in a fast-moving, entrepreneurial environment.
- 10+ years in SME or Commercial Credit risk and a proven track record in senior leadership roles. The likely candidate will have extensive experience of Commercial Banking or a similar area of SME commercial lending. This is not investment banking, wholesale banking or consumer-focussed finance. The emphasis is on credit underwriting for SME trading businesses and commercial real estate finance, with facilities typically in the £1 million to £50 million range.
- Someone who can balance credit governance at policy level, manage risk across a portfolio and dive into the detail at customer level.
- Commercially minded and energised and inspired by working closely with a high profile Board, ambitious businesses and highly-driven customers and colleagues.
- Able to work collaboratively across the bank and keen to deploy the best technology and judgement to achieve the best outcomes.
- Possess a deep understanding of credit risk regulation, credit-risk modelling, policy and portfolio management.
- Passionate about nurturing talent and building a best-in-class credit risk function.
- Keen to embrace and utilise the best in automation, AI and new technologies.
If you have the necessary experience in commercial credit leadership and would like to know more, please contact mclarke@cbcrs.co.uk
Head of Credit employer: CBC Resourcing Solutions
Contact Detail:
CBC Resourcing Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Head of Credit
✨Tip Number 1
Network with professionals in the commercial banking sector, especially those involved in credit risk management. Attend industry events or webinars to connect with potential colleagues and learn about the latest trends in credit underwriting.
✨Tip Number 2
Research the bank's current credit risk policies and recent initiatives. Understanding their approach will allow you to tailor your discussions during interviews, showcasing how your experience aligns with their goals.
✨Tip Number 3
Prepare to discuss specific examples of how you've led credit risk teams and improved processes in previous roles. Highlighting your achievements will demonstrate your capability to inspire and grow a high-performing team.
✨Tip Number 4
Stay updated on the latest technologies in credit risk management, such as AI and automation tools. Being knowledgeable about these innovations will show your commitment to enhancing productivity and performance within the role.
We think you need these skills to ace Head of Credit
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in commercial credit risk management. Focus on your leadership roles and any specific achievements that demonstrate your ability to manage credit underwriting standards and drive transformation initiatives.
Craft a Compelling Cover Letter: In your cover letter, express your passion for the role and the bank's entrepreneurial spirit. Discuss how your background aligns with their needs, particularly your experience in SME or Commercial Credit risk and your understanding of credit risk regulation.
Highlight Relevant Skills: Emphasise skills that are crucial for the role, such as your ability to balance credit governance, manage risk across portfolios, and collaborate effectively with senior stakeholders. Mention any experience with automation and AI in credit risk processes.
Showcase Your Leadership Experience: Since the role involves leading a high-performing credit risk team, provide examples of how you have inspired and grown teams in the past. Highlight your strategic thinking and ability to drive results in a fast-paced environment.
How to prepare for a job interview at CBC Resourcing Solutions
✨Showcase Your Leadership Experience
As a candidate for the Head of Credit position, it's crucial to highlight your leadership experience. Prepare specific examples of how you've led teams in credit risk management and the impact your leadership had on performance and outcomes.
✨Demonstrate Commercial Acumen
This role requires a strong understanding of commercial banking and SME lending. Be ready to discuss your experience with credit underwriting and how you've balanced risk and growth in previous roles. Use real-life scenarios to illustrate your commercial mindset.
✨Familiarise Yourself with Regulatory Frameworks
Understanding credit risk regulation is key for this position. Brush up on relevant regulations and be prepared to discuss how you've navigated these in past roles. This will show your depth of knowledge and readiness to manage compliance effectively.
✨Prepare for Collaborative Discussions
Since the role involves working closely with the Board and other functions, think about how you can demonstrate your collaborative skills. Prepare examples of successful cross-departmental projects or initiatives you've led, showcasing your ability to work well with diverse teams.
