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- Tasks: Lead the restructuring of distressed personal credit portfolios and develop strategic solutions.
- Company: Join a prestigious retail bank known for its expertise in credit risk management.
- Benefits: Enjoy a competitive executive-level remuneration package and additional perks.
- Why this job: Make a tangible impact on distressed credit portfolios while working with a dynamic team.
- Qualifications: 10+ years in credit risk management, with expertise in distressed credit restructuring required.
- Other info: This is a full-time director-level position in the banking industry.
The predicted salary is between 72000 - 108000 £ per year.
Our client, a leading retail bank, is seeking an exceptionally experienced Senior Credit Manager to lead the restructuring of distressed personal credit portfolios, with a strong focus on real estate mortgage debt. This is a unique opportunity for a highly skilled professional to drive strategic solutions that benefit both clients and the bank.
About the Role
As a Senior Credit Manager, you will take ownership of complex and high-value distressed mortgage cases, working closely with clients in financial difficulty. You will be instrumental in shaping and executing restructuring strategies that mitigate risk while delivering sustainable outcomes for customers.
Key Responsibilities:
- Oversee and manage a portfolio of distressed mortgage cases, developing sophisticated restructuring solutions.
- Lead the formulation and execution of credit strategies to rehabilitate delinquent loans and prevent defaults.
- Engage directly with high-risk clients, providing expert guidance on financial recovery solutions.
- Collaborate with senior stakeholders, including risk, legal, collections, and regulatory bodies, to ensure optimal restructuring outcomes.
- Negotiate high-value settlements and restructuring agreements with clients and external parties.
- Keep abreast of evolving market conditions and regulatory changes impacting mortgage debt and distressed credit management.
- Provide strategic insights and reports to executive leadership on portfolio performance and risk mitigation.
About You:
- Significant experience (10+ years preferred) in credit risk management, with deep expertise in distressed credit restructuring.
- Strong background in retail banking, with an expert understanding of real estate mortgage debt and regulatory frameworks.
- Proven ability to handle complex negotiations and high-value restructuring cases.
- Exceptional financial analysis skills and strategic thinking in credit restructuring.
- Ability to communicate effectively with senior stakeholders and influence decision-making.
- Experience with advanced loan management systems and financial modelling tools.
Why Join This Opportunity?
- Work with a prestigious retail bank renowned for its expertise in credit risk management.
- Competitive executive-level remuneration package and benefits.
- Influence high-level credit strategy and make a tangible impact on distressed credit portfolios.
- Join a dynamic and high-performing team committed to financial rehabilitation and risk mitigation.
Seniority level: Director
Employment type: Full-time
Job function: Finance
Industries: Banking
Senior Credit Risk Manager employer: ETRA Talent
Contact Detail:
ETRA Talent Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Manager
✨Tip Number 1
Network with professionals in the banking and credit risk management sectors. Attend industry events, webinars, or conferences where you can meet key players and learn about the latest trends in distressed credit restructuring.
✨Tip Number 2
Stay updated on regulatory changes and market conditions affecting mortgage debt. This knowledge will not only enhance your expertise but also demonstrate your commitment to the role during interviews.
✨Tip Number 3
Prepare to discuss specific case studies from your past experience where you've successfully managed distressed credit portfolios. Highlight your strategic thinking and negotiation skills to showcase your fit for the role.
✨Tip Number 4
Engage with thought leaders in credit risk management through social media platforms like LinkedIn. Sharing insights and participating in discussions can help you build a strong professional presence and attract attention from potential employers.
We think you need these skills to ace Senior Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your extensive experience in credit risk management, particularly in distressed credit restructuring. Use specific examples that demonstrate your ability to handle complex negotiations and high-value cases.
Craft a Compelling Cover Letter: In your cover letter, emphasise your strategic thinking and financial analysis skills. Discuss how your background in retail banking aligns with the role's requirements and how you can contribute to the bank's objectives.
Showcase Relevant Achievements: Include quantifiable achievements in your application, such as successful restructuring outcomes or improvements in portfolio performance. This will help illustrate your impact in previous roles.
Prepare for Interviews: Anticipate questions related to your experience with distressed mortgage cases and your approach to risk mitigation. Be ready to discuss specific strategies you've implemented in the past and how they could apply to this role.
How to prepare for a job interview at ETRA Talent
✨Showcase Your Expertise
Make sure to highlight your extensive experience in credit risk management, especially in distressed credit restructuring. Prepare specific examples of complex cases you've handled and the strategies you implemented to achieve successful outcomes.
✨Demonstrate Strategic Thinking
Be ready to discuss your approach to formulating and executing credit strategies. Think about how you can articulate your thought process in developing sophisticated restructuring solutions that mitigate risk while benefiting clients.
✨Engage with Stakeholders
Prepare to talk about your experience collaborating with various stakeholders, such as legal and regulatory bodies. Highlight instances where your communication skills influenced decision-making and led to successful negotiations.
✨Stay Informed on Market Trends
Show your awareness of current market conditions and regulatory changes affecting mortgage debt. Being knowledgeable about these factors will demonstrate your commitment to the role and your ability to adapt strategies accordingly.
