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- Tasks: Manage high-risk relationships and minimise credit losses while offering tailored solutions.
- Company: Award-winning Financial Services business with a fantastic culture.
- Benefits: Remote work flexibility, competitive salary, and part-time options available.
- Why this job: Make a real impact by helping customers navigate financial challenges and recover.
- Qualifications: Experience in UK SME business lending and strong credit skills required.
- Other info: Work remotely with occasional travel; excellent career growth opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Morgan McKinley is supporting an award winning Financial Services business with a fantastic culture, to recruit a Credit Relationship Manager - Special Asset Management role.
The role involves managing high-risk relationships to minimise credit losses and achieve recovery for customers where possible. You will be dealing with customers where there is concern around their long term financial viability and looking to offer solutions. You will also manage credit facilities within the team, ensuring that credit can be provided at fair levels of risk and reward. Acting as a Relationship Manager, the solutions could include:
- Restructuring existing facilities
- Negotiating recovery
- Looking at insolvency processes
The other focus of the role will be around credit analytics, which includes conducting reviews, analysing borrower data and reporting on loan portfolio performance.
The candidate should have proven experience in UK SME business lending and strong credit skills. An understanding of a set of accounts and EBITDA is necessary, along with experience in managing high-risk clients and overseeing recovery situations. Ideally, you will have some restructuring experience, and knowledge of risk appraisal, lending procedures and current legal practices is essential. Any exposure to underwriting commercial loans and overdrafts would also be useful but not essential. The debt level is between £100k - £20mln.
This role can effectively be based anywhere in the UK and predominantly remotely, with occasional travel (once a month) into Bristol, or potentially their London or Edinburgh office. This role could also be considered on a part-time basis.
Credit Relationship Manager (Special Asset Management) employer: Morgan McKinley
Contact Detail:
Morgan McKinley Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Relationship Manager (Special Asset Management)
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who know about credit management. A friendly chat can lead to insider info on job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your credit analytics skills. Be ready to discuss how you've managed high-risk clients and what strategies you used to minimise losses. We want to see your problem-solving skills in action!
✨Tip Number 3
Showcase your restructuring experience! If you've successfully restructured facilities or negotiated recoveries, make sure to highlight these examples during interviews. It’s all about demonstrating your value to potential employers.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of resources to help you land that Credit Relationship Manager role. Plus, it’s a great way to stay updated on new opportunities tailored just for you.
We think you need these skills to ace Credit Relationship Manager (Special Asset Management)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Credit Relationship Manager. Highlight your experience with high-risk clients and any restructuring you've done. We want to see how your skills align with 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 passionate about managing credit relationships and how you can help minimise losses. We love seeing genuine enthusiasm, so let your personality come through!
Showcase Your Analytical Skills: Since credit analytics is a big part of this role, make sure to mention any relevant experience you have with analysing borrower data or loan portfolio performance. We want to know how you can contribute to our team's success!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the easiest way for us to keep track of your application and ensures you don’t miss out on any important updates. Plus, we love seeing applications come in through our own channels!
How to prepare for a job interview at Morgan McKinley
✨Know Your Numbers
Make sure you brush up on your understanding of financial statements, especially EBITDA and balance sheets. Being able to discuss these confidently will show that you have the credit skills needed for the role.
✨Showcase Your Experience
Prepare specific examples from your past where you've successfully managed high-risk clients or restructured facilities. Use the STAR method (Situation, Task, Action, Result) to clearly articulate your contributions and outcomes.
✨Understand the Market
Research the current trends in UK SME lending and be ready to discuss how they might impact the role. This shows that you're not just knowledgeable about your own experience but also aware of the broader financial landscape.
✨Ask Insightful Questions
Prepare thoughtful questions about the company's approach to credit risk management and their culture. This demonstrates your genuine interest in the role and helps you assess if it's the right fit for you.
