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- Tasks: Join our Corporate & Business Credit team to manage credit and lending issues.
- Company: Danske Bank is a leading bank in Northern Ireland, committed to helping customers thrive.
- Benefits: Enjoy flexible working, competitive salary, wellness perks, and exclusive discounts.
- Why this job: Be part of a diverse team focused on sustainability and community impact.
- Qualifications: 5+ years in banking/finance with strong analytical and communication skills required.
- Other info: Hybrid working available; we value individual differences and support inclusivity.
The predicted salary is between 36000 - 60000 £ per year.
Your role: Credit Manager, Corporate & Business Credit (Based within Risk Management)
Why you’ll want to work with us: At Danske Bank, we’re driven by a clear purpose: to help customers, colleagues, and society thrive. We value diversity in its broadest sense which we know makes us stronger as a business and invites all colleagues to bring their whole selves to work. Our Diversity and Inclusion Strategy is central to our purpose and shows up in how we work every day. Driving sustainability is a key strategic priority for us. We’re passionate about giving back to the communities in which we live and work.
The role in detail: We’re looking for a skilled and experienced Credit Manager to join our Corporate & Business (C&B) Credit team within Risk Management. This is a fantastic opportunity to be a key influencer providing input across C&B Banking on the management of credit and lending issues, while ensuring continuous development of the business and playing an important role in supporting the Bank’s strategic objectives. Our C&B Credit team are responsible for 2nd line credit assessment / underwriting, and co-management of credit risk for customers in financial difficulties.
As a Credit Manager, you will exercise a delegated lending authority (DLA) in line with Group Credit Policy, commercial strategy, Risk Appetite, standard operating procedures and asset quality requirements. You will assess credit applications for business, financial and structural risks, data integrity and including consideration of ESG matters and Geopolitical, Security and Energy (GSE) risks, working within the framework of Consumer Duty obligations and in line with service level standards to support customer experience and satisfaction.
Other key responsibilities include, but are not limited to:
- Identifying key portfolio issues, improvement opportunities and (co)implementing change management initiatives.
- Scoping of and delivering on training needs of both Credit and 1st line colleagues.
- Deputising for the Senior Manager C&B Credit Assessment and / or co-presenting cases with Head of C&B Credit UK in forums with Group Credit Copenhagen.
You’ll be a financial professional or an experienced Credit Manager within a Corporate Banking/Finance environment who is comfortable interacting and negotiating with Senior Corporate & Business Relationship Managers. You’ll have experience, either in a Banking or Finance environment, of dealing with customers and businesses based in NI and the rest of the UK, from a variety of sectors.
As a Credit Manager you are deemed to be a "material risk taker" under the UK Financial Conduct Authority’s Senior Managers Framework / Certification Regime, and as such, clear the required background checks.
How we work: Our belief is that we are "Better when Together" and want to balance the benefits of teaming up in person with flexible working where possible. We will be supportive and flexible to your circumstances.
About Us: Danske Bank is the trading name of Northern Bank Ltd, one of the largest banks in Northern Ireland and an autonomous subsidiary of Danske Bank Group. We’ve been helping people and businesses achieve their ambitions for over 200 years.
Credit Manager - Business Support employer: Danske Bank
Contact Detail:
Danske Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Manager - Business Support
✨Tip Number 1
Familiarise yourself with Danske Bank's values and mission. Understanding their commitment to diversity, sustainability, and community involvement will help you align your responses during interviews and demonstrate that you're a good cultural fit.
✨Tip Number 2
Network with current or former employees of Danske Bank, especially those in the Corporate & Business Credit team. They can provide insights into the company culture and expectations for the Credit Manager role, which can be invaluable during your application process.
✨Tip Number 3
Stay updated on current trends in credit risk management and the financial services sector. Being knowledgeable about recent developments will allow you to engage in meaningful discussions during interviews and showcase your expertise.
✨Tip Number 4
Prepare to discuss your experience with ESG matters and how they relate to credit assessments. Given the emphasis on sustainability in the job description, demonstrating your understanding of these issues will set you apart from other candidates.
We think you need these skills to ace Credit Manager - Business Support
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit management and corporate banking. Use keywords from the job description to demonstrate that you meet the specific requirements of the Credit Manager role at Danske Bank.
Craft a Compelling Cover Letter: Write a cover letter that reflects your understanding of Danske Bank's values and mission. Explain why you are passionate about helping customers thrive and how your skills align with their focus on sustainability and diversity.
Showcase Relevant Experience: In your application, emphasise your experience in assessing credit applications and managing credit risk. Provide examples of how you've successfully navigated complex financial situations and contributed to positive customer outcomes.
Highlight Soft Skills: Don't forget to mention your strong communication and influencing skills. These are crucial for interacting with senior stakeholders and presenting your analysis in decision forums, as outlined in the job description.
How to prepare for a job interview at Danske Bank
✨Understand the Role and Responsibilities
Before your interview, make sure you thoroughly understand the role of a Credit Manager at Danske Bank. Familiarise yourself with the key responsibilities, such as credit assessment, risk management, and customer interaction. This will help you articulate how your experience aligns with their needs.
✨Showcase Your Analytical Skills
As a Credit Manager, strong analytical skills are crucial. Be prepared to discuss specific examples where you've successfully assessed credit applications or managed financial risks. Highlight your ability to make logical decisions under pressure, as this is a key aspect of the role.
✨Demonstrate Your Customer Focus
Danske Bank values customer satisfaction highly. Prepare to share instances where you've prioritised customer outcomes in your previous roles. Discuss how you balance robust credit risk management with positive customer experiences, as this will resonate well with their values.
✨Familiarise Yourself with ESG and GSE Risks
Given the emphasis on sustainability and risk management in the job description, it's important to be knowledgeable about Environmental, Social, and Governance (ESG) matters, as well as Geopolitical, Security, and Energy (GSE) risks. Be ready to discuss how these factors influence credit decisions and your approach to managing them.
