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For Companies At a Glance
- Tasks: Join a dynamic team managing credit risk and assessing financial applications.
- Company: Work for a top-rated multinational financial services firm in Belfast.
- Benefits: Enjoy a competitive salary, car allowance, generous leave, and wellness perks.
- Why this job: Be part of a respected company with a strong culture and global impact.
- Qualifications: Experience in corporate banking or finance; relevant degree preferred.
- Other info: Opportunity to influence credit management strategies and support sustainability initiatives.
The predicted salary is between 36000 - 60000 £ per year.
Credit Manager
An established banking group are now seeking an experienced Credit Manager to join Credit team within Risk Management. This is a key second-line role, supporting robust credit assessment, underwriting, and the effective co-management of credit risk across the C&B portfolio in Northern Ireland and the wider UK.
This is a brand new, full-time permanent position to be based in their Belfast office with a hybrid working structure.
The Role:
As Credit Manager, you will play a central role in credit risk assessment, portfolio oversight, and process improvement. Key responsibilities include:
- Conducting second-line credit assessment and underwriting in line with Group Credit Policy and risk appetite
- Exercising Delegated Lending Authority (DLA) to support ongoing business growth
- Assessing credit applications for financial, structural, ESG, geopolitical, security and energy risks
- Supporting customers in financial difficulty, where required
- Enhancing the sourcing, quality, and use of portfolio, sectoral, and credit data
- Supporting the development of stress testing frameworks across sectors and portfolio segments
- Driving process improvement, automation, and the adoption of new risk-based analysis techniques
- Collaborating closely with 1st line banking teams, data analytics, automation, and Group credit stakeholders
- Identifying portfolio issues, risk trends, and improvement opportunities
- Supporting training and capability development across Credit and 1st line teams
- Deputising for senior leadership and presenting cases in internal and Group Credit forums as required
The Person:
The successful Credit Manager will demonstrate:
- Experience as a Credit Manager or senior credit professional within Corporate or Business Banking
- Strong understanding of C&B portfolios, products, and sectoral risk
- Proven ability to influence, challenge, and negotiate with senior stakeholders
- Experience presenting credit analysis and recommendations in credit committee or risk forum settings
- Strong decision-making capability under pressure, using complex data and tight deadlines
- Commercial awareness combined with a strong customer-outcome focus
- Broad knowledge of core lending facilities and ancillary products
- Experience working with customers across Northern Ireland and the wider UK, across a range of sectors
Desirable:
- Exposure to data analytics, automation, robotics or AI decisioning within credit processes
- Experience supporting sustainability-led or transition-focused lending
- Knowledge of stress testing and scenario analysis
Criteria:
- Demonstrable experience in a related credit, banking or finance role
- Degree in Business, Finance, or a related discipline (or equivalent experience)
- Relevant professional or postgraduate qualifications (e.g. Accountancy, Institute of Bankers) advantageous
The Rewards:
- Opportunity to influence credit strategy and portfolio quality
- Exposure to senior stakeholders and Group-level decision forums
- Involvement in modernising credit processes through data and automation
- Supportive, collaborative risk culture with strong development opportunities
To speak in absolute confidence about this Credit Manager opportunity please send an up-to-date CV via the link provided or contact Josh Craig at MCS Group 02896 935531
Even if this position is not right for you, we may have others that are. Please visit MCS Group to view a wide selection of our current jobs www.mcsgroup.jobs
MCS Group is committed to Equality, Diversity, and Inclusion for all, being the first recruitment agency in NI to achieve Bronze Diversity Mark accreditation, if you have a disability which means you require a reasonable adjustment to be considered at any stage of the recruitment process, please contact us and we will endeavour to facilitate the request.
Not all agencies are the same…MCS Group are passionate about providing a first-class service to all our customers and have an independent review rating of 4.9 stars on Google.
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Credit Manager employer: MCS Group
Contact Detail:
MCS Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Manager
✨Tip Number 1
Network with professionals in the financial services sector, especially those who work in credit management. Attend industry events or join relevant online forums to connect with potential colleagues and learn more about the company culture.
✨Tip Number 2
Familiarise yourself with the latest trends in credit risk management and sustainability-led applications. Being knowledgeable about these topics will not only help you stand out but also demonstrate your commitment to the role.
✨Tip Number 3
Prepare to discuss your experience in negotiating with senior corporate managers. Think of specific examples where you've successfully managed credit risks or improved processes, as this will showcase your expertise during interviews.
✨Tip Number 4
Research the company's values and recent initiatives, particularly around ESG matters. This knowledge will allow you to align your answers with their goals and show that you're a good fit for their team.
We think you need these skills to ace Credit Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in credit management, corporate banking, or finance. Use specific examples that demonstrate your skills in assessing credit applications and managing credit risk.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Mention your experience with financial difficulties and how you can contribute to the firm's credit team.
Highlight Relevant Qualifications: If you hold any relevant qualifications such as IOB, CICM, or accountancy qualifications (ACA, CIMA, ACCA), make sure to mention these prominently in your application. They are crucial for this role.
Showcase Relationship-Building Skills: In your application, emphasise your ability to build working relationships with stakeholders. Provide examples of how you've successfully interacted with senior corporate managers or clients in previous roles.
How to prepare for a job interview at MCS Group
✨Know Your Credit Risk Fundamentals
Make sure you brush up on your knowledge of credit risk management principles. Be prepared to discuss how you would assess credit applications and manage risks, especially in relation to customers facing financial difficulties.
✨Demonstrate Your Negotiation Skills
Since the role involves interacting with senior corporate managers, be ready to showcase your negotiation skills. Prepare examples from your past experiences where you successfully navigated complex discussions or resolved conflicts.
✨Familiarise Yourself with ESG Considerations
Given the emphasis on sustainability-led applications, it’s crucial to understand Environmental, Social, and Governance (ESG) factors. Be prepared to discuss how these considerations impact credit assessments and customer strategies.
✨Build Rapport with Interviewers
As a Credit Manager, building relationships is key. During the interview, focus on establishing a connection with your interviewers. Show genuine interest in their experiences and the company culture to demonstrate your interpersonal skills.
