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- Tasks: Lead credit risk assessments and manage the Bank's credit control framework.
- Company: A leading UK bank focused on innovative financial solutions.
- Benefits: Attractive salary, comprehensive benefits, and opportunities for professional growth.
- Why this job: Make a significant impact on credit risk management in a dynamic banking environment.
- Qualifications: 7+ years in credit risk analysis; strong analytical and communication skills required.
- Other info: Collaborative culture with a focus on continuous improvement and regulatory compliance.
The predicted salary is between 43200 - 72000 £ per year.
The Credit Risk Manager is responsible for leading and managing the credit risk assessment and control framework of the Bank. This includes analysing credit exposures, assessing counterparties’ financial strength, reviewing credit proposals, and ensuring adherence to the Bank’s risk appetite, credit policies, and regulatory requirements. The role holder will provide expert advice to business units on credit structuring, portfolio quality, and regulatory compliance, while ensuring that credit risk is effectively identified, measured, monitored, and mitigated across the Bank’s lending activities.
Key Responsibilities
- Lead the assessment and approval process for new and existing credit facilities, ensuring compliance with the Bank’s credit risk framework and PRA/FCA requirements.
- Conduct detailed financial, business, and market analysis to assess borrowers’ creditworthiness and repayment capacity.
- Review and challenge credit proposals (Credit Applications/Approval Memos) prepared by relationship managers and provide independent recommendations to the Credit Committee.
- Manage and maintain the Bank’s internal credit risk rating system, ensuring accuracy, consistency, and regular validation.
- Oversee portfolio monitoring, including early warning indicators, concentration risk, and sectoral exposure analysis.
- Prepare and present periodic portfolio review reports to senior management and the Credit Committee, highlighting key trends, risk concentrations, and emerging risks.
- Support the continuous improvement of credit policies, underwriting standards, and risk appetite frameworks to reflect regulatory guidance and market developments.
- Collaborate with business units to balance prudent risk management with business growth objectives.
- Provide credit training and guidance to relationship managers to enhance underwriting quality and policy compliance.
- Liaise with external auditors, regulators, and internal audit to ensure the Bank’s credit processes and practices meet regulatory standards.
- Contribute to stress testing exercises, ICAAP, and other risk governance reports as required.
- Undertake any other credit risk–related duties as assigned.
Minimum Qualifications and Experience
- Bachelor’s degree in Finance, Economics, Accounting, Business, or a related discipline (Master’s or CFA/FRM qualification is an advantage).
- Minimum of 7+ years’ experience in credit risk analysis, underwriting, or portfolio management within a UK or international bank.
- Strong knowledge of UK banking regulations, including PRA and FCA requirements related to credit risk.
- Proven ability to evaluate complex credit structures across corporate, commercial, and financial institution portfolios.
- Excellent analytical, financial modelling, and problem-solving skills.
- Advanced proficiency in Microsoft Excel and other analytical tools; experience with credit risk systems or rating models preferred.
- Strong interpersonal, report-writing, and presentation skills, with the ability to communicate complex risk issues clearly to senior stakeholders.
- Demonstrated ability to work independently while effectively collaborating across departments.
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Credit Risk Manager - UK employer: Antal International Network
Contact Detail:
Antal International Network Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager - UK
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant LinkedIn groups, and don’t be shy about reaching out to current employees at banks. We all know that sometimes it’s not just what you know, but who you know that can help you land that Credit Risk Manager role.
✨Ace the Interview
Prepare for your interviews by brushing up on common credit risk scenarios and regulatory requirements. We recommend practising your answers to behavioural questions too. Show them you’re not just knowledgeable, but also passionate about credit risk management and how it impacts the bank's success.
✨Showcase Your Skills
When you get the chance, highlight your analytical skills and experience with financial modelling. We want to see how you’ve tackled complex credit structures in the past. Use real examples from your previous roles to demonstrate your expertise and problem-solving abilities.
✨Apply Through Our Website
Don’t forget to apply directly through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive and take the initiative to engage with us directly.
We think you need these skills to ace Credit Risk Manager - UK
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Manager role. Highlight your experience in credit risk analysis and any relevant qualifications. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk management and how you can contribute to our team. Keep it concise but impactful, and don’t forget to mention your understanding of UK banking regulations.
Showcase Your Analytical Skills: Since this role involves a lot of analysis, make sure to showcase your analytical and problem-solving skills in your application. Mention specific tools or methodologies you've used in the past that relate to credit risk assessment.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you’re considered for the role. Plus, it’s super easy to do!
How to prepare for a job interview at Antal International Network
✨Know Your Stuff
Make sure you brush up on your knowledge of credit risk assessment and the specific regulations that apply to UK banks. Familiarise yourself with PRA and FCA requirements, as well as any recent changes in the regulatory landscape. This will show that you're not just qualified but also genuinely interested in the role.
✨Prepare Real-Life Examples
Think of specific instances from your past experience where you've successfully managed credit risk or improved processes. Be ready to discuss how you assessed creditworthiness or handled challenging credit proposals. This will help you demonstrate your expertise and problem-solving skills effectively.
✨Showcase Your Analytical Skills
Since the role requires strong analytical abilities, be prepared to discuss your experience with financial modelling and data analysis. You might even want to bring along examples of reports or analyses you've done in the past. This will give you a chance to highlight your proficiency with tools like Excel and any credit risk systems you've used.
✨Engage with the Interviewers
Don't forget that interviews are a two-way street! Prepare thoughtful questions about the bank's credit risk framework and how they balance risk management with business growth. This shows that you're not only interested in the position but also in contributing to the bank's success.
