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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 that drive 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 Manchester 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 Manchester
✨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! Think of examples where you've coached or mentored others in your previous roles. We love seeing candidates who can inspire and develop their teams.
✨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 Manchester
Some tips for your application 🫡
Show Off Your Credit Skills: Make sure to highlight your experience with credit risk management tools and techniques. We want to see how you've applied these skills in real-world situations, so don’t hold back on the details!
Tailor Your Application: Take a moment to customise your application for the SME Credit Team Leader role. Use the job description as a guide to align your experiences and skills with what we’re looking for. It shows us you’re genuinely interested!
Be Clear and Concise: When writing your application, keep it straightforward and to the point. We appreciate clarity, so avoid jargon and make sure your key points stand out. This will help us understand your qualifications quickly.
Apply Through Our Website: Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the role. Plus, it’s super easy to do!
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 specific frameworks, policies, and processes you've worked with in the past. This will show that you not only understand the theory but can also apply it practically.
✨Demonstrate Leadership Skills
Since this role involves leading a team, think of examples where you've successfully coached or mentored others. Be ready to share how you’ve driven transformation and improved processes in your previous roles. Highlighting your leadership experience will set you apart.
✨Showcase Your Collaboration Skills
This position requires working closely with various teams. Prepare to discuss instances where you've collaborated with cross-divisional teams. Emphasise your ability to communicate effectively and influence stakeholders, as this is crucial for success in the role.
✨Prepare for Scenario-Based Questions
Expect questions that assess your decision-making skills under pressure. Think about how you would handle specific lending scenarios or emerging risk issues. Practising these types of questions will help you articulate your thought process clearly during the interview.
