At a Glance
- Tasks: Lead a team in assessing and approving credit proposals, ensuring high-quality underwriting.
- Company: Join Aldermore, an award-winning bank trusted by over 250,000 customers for over a decade.
- Benefits: Enjoy hybrid working, a friendly culture, and opportunities for career progression.
- Other info: We value diversity and welcome applicants from all backgrounds.
- Why this job: Be part of a mission to empower people in life and business while shaping credit policy.
- Qualifications: Extensive Asset Finance experience and proven credit underwriting expertise required.
The predicted salary is between 43200 - 72000 £ per year.
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We’re Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we\'re backing more people to go for it.
We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.
This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.
Let us tell you a bit about the opportunity
As part of our Credit team, you’ll help protect the bank from bad debt through responsible lending in line with Aldermore’s Lending Policy and Group Risk Framework. You’ll lead a team of underwriters, supporting the Head of Credit by overseeing proposals between £25k and £3m, ensuring consistent, high-quality decisions.
You\'ll also engage confidently with internal and external stakeholders, always demonstrating a positive, solutions-focused approach.
To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business.
What will your day look like?
We\'re looking for a Senior Credit Manager to join our Asset Finance team, focusing on flow & specialist car proposals (£25k–£3m). You’ll play a key role in credit decisioning, shaping credit policy, and leading a small team to ensure high-quality underwriting and continuous improvement.
Key responsibilities:
- Assess and approve new business proposals within your authority
- Help shape and refine credit strategy, policy, and automation
- Lead, coach, and develop team members through 1-2-1s and performance reviews
- Build strong relationships with internal teams and our broker panel
- Collaborate with Asset Management to assess asset and transaction risk
- Support ad hoc projects and continuous process improvement
What do we expect from you?
- Extensive Asset Finance experience, particularly in B2B lending and complex credit environments
- Proven credit underwriting expertise with a personal delegated mandate
- Strong analytical skills with experience presenting high-value proposals to Credit Committee
- Demonstrated ability to lead teams, manage high volumes, and meet tight SLAs
- Skilled in negotiation, stakeholder management, and delivering solutions
What can you expect from us?
- Hybrid working model – 2 days in the office, 3 days from home
- A friendly and flexible culture, the same as how we work with our customers.
- A growing organisation that means there’s lots of opportunities to progress
- A drive for continuous improvement, which you will be empowered to get behind from day one.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.
Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.
Please note that we have a thorough referencing process, which includes criminal record checks.
#J-18808-LjbffrSenior Credit Manager in Reading employer: Aldermore Bank PLC
Aldermore is an award-winning bank that prioritises a friendly and flexible work culture, offering a hybrid working model that allows for a balanced lifestyle. As a Senior Credit Manager, you will have the opportunity to lead a dedicated team, shape credit policy, and drive continuous improvement in a growing organisation that values respect, diversity, and employee development. With competitive rewards and a commitment to empowering employees from day one, Aldermore is an excellent employer for those seeking meaningful and rewarding careers in finance.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Manager in Reading
✨Tip Number 1
Familiarise yourself with Aldermore's Lending Policy and Group Risk Framework. Understanding their approach to responsible lending will help you align your experience with their expectations during discussions.
✨Tip Number 2
Prepare to discuss your experience in B2B lending and complex credit environments. Be ready to share specific examples of how you've successfully managed high-value proposals and the outcomes of those decisions.
✨Tip Number 3
Highlight your leadership skills by preparing examples of how you've coached and developed team members in previous roles. This will demonstrate your ability to lead a team effectively at Aldermore.
✨Tip Number 4
Showcase your stakeholder management skills by preparing to discuss how you've built strong relationships with internal teams and external partners. This is crucial for the collaborative environment at Aldermore.
We think you need these skills to ace Senior Credit Manager in Reading
Some tips for your application 🫡
Understand the Role:Before applying, make sure you fully understand the responsibilities and expectations of a Senior Credit Manager at Aldermore. Tailor your application to highlight relevant experience in asset finance and credit underwriting.
Highlight Relevant Experience:In your CV and cover letter, emphasise your extensive experience in B2B lending and complex credit environments. Provide specific examples of how you've successfully managed high-value proposals and led teams.
Showcase Analytical Skills:Demonstrate your strong analytical skills by including examples of how you've assessed risk and made informed credit decisions. Mention any experience presenting to a Credit Committee, as this is crucial for the role.
Personalise Your Application:Make your application stand out by personalising it. Address the company's values and culture in your cover letter, showing how your approach aligns with Aldermore's mission to support customers and foster a positive lending environment.
How to prepare for a job interview at Aldermore Bank PLC
✨Understand Aldermore's Values
Before your interview, take some time to research Aldermore's mission and values. Understanding their commitment to responsible lending and customer support will help you align your answers with their ethos during the interview.
✨Showcase Your Analytical Skills
As a Senior Credit Manager, you'll need strong analytical skills. Be prepared to discuss specific examples of how you've assessed complex credit proposals in the past, and how your decisions positively impacted your previous employers.
✨Prepare for Stakeholder Engagement Questions
Expect questions about your experience in managing relationships with internal and external stakeholders. Think of examples where you successfully negotiated or collaborated on projects, demonstrating your solutions-focused approach.
✨Highlight Leadership Experience
Since you'll be leading a team, be ready to talk about your leadership style. Share experiences where you've coached or developed team members, and how you’ve managed performance reviews to foster a positive team environment.
