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- Tasks: Review and approve complex commercial lending proposals and make independent credit decisions.
- Company: Well-established UK specialist bank with a focus on tailored lending solutions.
- Benefits: Competitive salary, strong benefits package, and hybrid working options.
- 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 and grow within a supportive team.
The predicted salary is between 39000 - 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
- This role is suited to a senior commercial credit professional who brings 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 in Solihull employer: Identify Solutions
Contact Detail:
Identify Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager in Solihull
✨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’ve made independent credit decisions in the past. We want to see your expertise shine!
✨Tip Number 3
Showcase your experience with diverse lending sectors. Whether it’s SME, asset finance, or structured lending, make sure you highlight your breadth of knowledge during discussions. It’ll set you apart from the crowd!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Risk Manager in Solihull
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Manager role. Highlight your experience in commercial credit underwriting and any exposure to different lending sectors. 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 the perfect fit for this role. Mention specific experiences that demonstrate your ability to make independent credit decisions and work with senior stakeholders.
Showcase Your Financial Analysis Skills: Since strong financial analysis skills are key for this position, be sure to include examples of how you've successfully assessed complex lending proposals in the past. We love seeing real-life applications of your skills!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. We can’t wait to see what you bring to the table!
How to prepare for a job interview at Identify Solutions
✨Know Your Numbers
As a Credit Risk Manager, you'll need to demonstrate your strong financial analysis skills. Brush up on key financial metrics and be ready to discuss how you've applied these in past roles. Prepare examples of complex deals you've assessed and the outcomes of your decisions.
✨Understand the Business
Familiarise yourself with the bank's lending solutions and the sectors they operate in, especially SME asset finance and leasing. This will help you tailor your responses and show that you're genuinely interested in their business model and challenges.
✨Prepare for Scenario Questions
Expect to face scenario-based questions where you'll need to apply your judgement beyond just policy. Think about past experiences where you had to make tough credit decisions and be ready to explain your thought process and the rationale behind your choices.
✨Engage with Senior Stakeholders
Since this role involves presenting to senior leadership, practice articulating your recommendations clearly and confidently. Be prepared to defend your decisions and engage in discussions about risk mitigation strategies, showcasing your ability to communicate effectively at an executive level.
