Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Review and approve complex commercial lending proposals and make independent credit decisions.
- Company: Established UK specialist bank with a focus on tailored lending solutions.
- Benefits: Competitive salary, hybrid working, and strong benefits package.
- Why this job: Join a pivotal role influencing high-value transactions and making impactful decisions.
- Qualifications: Extensive experience in commercial credit underwriting and strong financial analysis skills.
- Other info: Opportunity to work on interesting deals with significant career growth potential.
The predicted salary is between 52000 - 78000 £ per year.
We are working with a well‑established UK specialist bank that supports businesses through tailored lending solutions across commercial, property, and asset‑backed finance. They are looking to appoint a Credit Risk Manager into a small, highly experienced central credit team. This is a pivotal role that sits at the heart of the bank’s decision‑making, reviewing and approving their most complex and highest‑value transactions.
The Role
- Review and sanction complex commercial lending proposals
- Assess deals that fall outside standard policy or exceed local mandates
- Make independent credit decisions within your own authority
- Prepare detailed credit papers for executive sanctioning committees
- Present and defend recommendations to senior leadership
- Work closely with front‑line relationship and credit teams
- Advise on structuring, risk mitigation, and deal viability
- Act as a trusted credit partner to multiple business lines
- Support other portfolios when required
While your primary focus will be on SME asset finance and leasing, you will also have exposure to wider commercial, property, and structured lending.
What We’re Looking For
- Extensive experience in commercial credit underwriting
- Exposure to multiple lending sectors (e.g. SME, trading businesses, asset finance, property, structured lending)
- Strong financial analysis skills across full company accounts
- Experience operating with a significant personal credit mandate (7‑figure+)
- Confidence operating at senior stakeholder and executive level
- The ability to apply judgement, not just policy
- Experience in asset finance or leasing is highly desirable, but not essential if you bring the right commercial breadth.
Package & Working Pattern
- Salary circa £65,000 (flexibility for exceptional candidates)
- Hybrid working (2 days per week in the office)
- Strong benefits package
- Exposure to genuinely interesting and complex deals
- A visible, influential role within the business
- Plus many more
Credit Risk Manager employer: Identify Solutions
Contact Detail:
Identify Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who work in credit risk. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your financial analysis skills. Be ready to discuss complex lending proposals and how you would approach them. Show us you can think critically and make sound decisions!
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation. It keeps you fresh in their minds and shows your enthusiasm for the role.
✨Tip Number 4
Apply through our website! We’ve got a streamlined process that makes it easy for you to showcase your skills. Plus, it gives us a chance to see your application in the best light possible.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experience mentioned in the job description. Highlight your extensive experience in commercial credit underwriting and any exposure to different lending sectors. We want to see how you fit into our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for the Credit Risk Manager role. Share specific examples of your past achievements and how they relate to the responsibilities outlined in the job description.
Showcase Your Financial Analysis Skills: Since strong financial analysis skills are key for this role, make sure to include relevant experiences that demonstrate your ability to assess complex commercial lending proposals. We love seeing numbers and results!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, we can’t wait to hear from you!
How to prepare for a job interview at Identify Solutions
✨Know Your Numbers
Brush up on your financial analysis skills before the interview. Be ready to discuss complex commercial lending proposals and demonstrate your ability to assess deals that exceed standard policy. This will show that you can handle the responsibilities of the role.
✨Prepare for Scenario Questions
Expect to face scenario-based questions where you'll need to apply your judgement in real-world situations. Think about past experiences where you've made independent credit decisions or advised on structuring and risk mitigation, and be prepared to share those examples.
✨Understand the Business
Research the bank's lending solutions and their approach to commercial, property, and asset-backed finance. Being knowledgeable about their operations will help you present yourself as a trusted credit partner and demonstrate your genuine interest in the role.
✨Engage with Senior Leadership
Since this role involves presenting to senior leadership, practice articulating your recommendations clearly and confidently. Show that you can defend your decisions and engage in meaningful discussions with stakeholders at an executive level.
