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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 decisions and driving business success.
- Qualifications: Experience in credit risk management and strong leadership skills required.
- Other info: Collaborative culture with opportunities for personal and professional growth.
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 Bristol 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 Bristol
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry and let them know you're on the lookout for opportunities. A personal recommendation can go a long way in landing that SME Credit Team Leader role.
✨Tip Number 2
Prepare for interviews by brushing up on your credit risk management knowledge. Be ready to discuss how you've successfully managed credit decisions in the past and how you can bring that expertise to our team.
✨Tip Number 3
Showcase your leadership skills! Think of examples where you've coached or mentored others, especially in credit-related scenarios. We want to see how you can develop and inspire your future team.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we love seeing candidates who are proactive about joining our team.
We think you need these skills to ace SME Credit Team Leader, Wholesale Credit in Bristol
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 your ability to convey complex ideas clearly. Whether it's in your CV or cover letter, we want to see how you can influence and challenge effectively.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
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 prepared 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
As a SME Credit Team Leader, you'll be expected to lead and mentor your team. Think of specific examples where you've successfully led a team or driven transformation. Highlight your coaching style and how you've helped others achieve their career goals.
✨Prepare for Collaboration Questions
Expect questions about your experience working in cross-divisional teams. Have examples ready that demonstrate your ability to collaborate effectively with various stakeholders, including front line and credit teams. This will illustrate your teamwork skills and adaptability.
✨Communicate Clearly and Confidently
Excellent communication is key in this role. Practice articulating your thoughts clearly and confidently. Prepare to discuss how you've influenced decisions in the past and how you can bring that skill to the table in this new position.
