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- Tasks: Lead a team in managing credit risk and making impactful lending decisions.
- Company: Join a dynamic financial institution focused on growth and innovation.
- Benefits: Competitive salary, career development opportunities, and a supportive work environment.
- Why this job: Make a real difference by guiding credit strategies and supporting your team's growth.
- Qualifications: Experience in credit risk management and strong leadership skills required.
- Other info: Collaborative culture with opportunities for personal and professional development.
The predicted salary is between 36000 - 60000 £ per year.
Join us as a SME Credit Team Leader in Wholesale Credit. This is an opportunity to put your credit skills to the test and take on a new career challenge in this regulated position. You’ll work within the SME credit team, focusing on our Commercial & Institutional business. You'll also sanction borrowing applications within a delegated authority level in accordance with current risk appetite, processes and procedures. Thrive in a role that will bring a purpose-led focus to your work, championing the potential of our business and people through your expert guidance on the management of credit risk.
What you’ll do:
- Exercise delegated authority and coach, mentor, and enable your team to provide appropriate credit decisions for lending transactions across a range of lending products and services.
- Work with the first line businesses and other risk teams, supporting the development of new credit related products and services, providing suitable oversight and challenge on proposed risk appetite, policies and processes.
- Lead a team of credit managers facing into the C&A franchise.
- Collaborate with our business and other colleagues to ensure that the portfolio, deal pipeline and emerging risk issues are fully understood.
- Lead oversight processes to provide assurance to senior management on appetite adherence and control processes.
- Attend relevant committees and fora to ensure that our risk appetite and concentration objectives are being considered when deciding on a credit strategy.
- Support intelligent risk taking, driving growth, optimising risk and delivering sustainable returns.
- Act as an ambassador for risk management and the Risk function, both within and external to the organisation.
- Provide support and guidance to colleagues within the function, on all matters of a credit nature.
- Drive a cost discipline, to identify and improve credit processes that can create efficiencies and enhance the customer proposition.
- Develop and coach your team of colleagues, to support them in achieving their career goals and potential.
The skills you’ll need:
- Experience of credit risk management tools and techniques, along with a practical understanding of credit risk management frameworks, policies, processes and controls.
- Experience in exercising a personal discretionary authority.
- A background of working in cross-divisional teams and the ability to collaborate with front line, credit and other stakeholders.
- Excellent communication and influencing skills.
- The ability to challenge effectively and constructively.
- A proven ability to lead transformation in your area of responsibility.
SME Credit Team Leader, Wholesale Credit in Birmingham employer: NatWest Group
Contact Detail:
NatWest Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land SME Credit Team Leader, Wholesale Credit in Birmingham
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, especially those who work in credit risk management. 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 credit risk knowledge. Be ready to discuss how you've managed credit decisions in the past and how you can contribute to our SME credit team. Confidence is key!
✨Tip Number 3
Showcase your leadership skills! If you’ve led teams before, share those experiences during interviews. We want to see how you can mentor and develop others in the role of SME Credit Team Leader.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining our team at StudySmarter.
We think you need these skills to ace SME Credit Team Leader, Wholesale Credit in Birmingham
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the SME Credit Team Leader role. Highlight your experience in credit risk management and any relevant leadership roles you've held. 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 this role and how you can contribute to our team. Be sure to mention specific experiences that demonstrate your ability to lead and manage credit risk.
Showcase Your Communication Skills: Since excellent communication is key for this role, make sure your application reflects that. Use clear and concise language, and don’t shy away from showcasing your influencing skills through examples in your written application.
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’re considered for the role. Plus, it shows you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at NatWest Group
✨Know Your Credit Risk Management Inside Out
Make sure you brush up on your knowledge of credit risk management tools and techniques. Be ready to discuss how you've applied these in previous roles, especially in a regulated environment. This will show that you understand the complexities of the role and can hit the ground running.
✨Showcase Your Leadership Skills
Prepare examples of how you've successfully led teams in the past. Think about specific situations where you coached or mentored colleagues to achieve their goals. This is crucial for the SME Credit Team Leader position, so be ready to demonstrate your ability to inspire and guide others.
✨Collaborate Like a Pro
Since this role involves working with various teams, be prepared to discuss your experience in cross-divisional collaboration. Share examples of how you've effectively communicated and influenced stakeholders to achieve common goals. This will highlight your teamwork skills and adaptability.
✨Be Ready to Challenge Constructively
The ability to challenge processes and policies is key in this role. Think of instances where you've constructively questioned decisions or proposed changes that improved outcomes. This will show your critical thinking skills and your commitment to driving positive change within the organisation.
