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For Companies At a Glance
- Tasks: Underwrite complex credit proposals and ensure effective risk management.
- Company: Award-winning Bank with a warm, progressive culture and Investors in People Platinum status.
- Benefits: Competitive salary, supportive environment, and opportunities for professional growth.
- Why this job: Join a values-driven team and make a real impact in the finance sector.
- Qualifications: Strong credit underwriting experience and excellent communication skills.
- Other info: Fast-paced, friendly environment with opportunities to lead and innovate.
The predicted salary is between 36000 - 60000 £ per year.
About the Opportunity
An excellent Commercial Credit Manager role with an award-winning Bank in the West Midlands who have a warm, progressive culture and were recently awarded the Investors in People Platinum status in recognition of their strong values-driven approach.
As a specialist Lender, the Bank have been hugely successful in providing Asset Finance, Structured Finance, Development Finance and BTL Mortgages to SMEs & Small Corporates with a strong customer-focus.
As Credit Manager/Partner, you will hold a level mandate with a broad remit, underwriting complex proposals for Asset Finance, SME lending, Corporate BTL, Real Estate and Aircraft Finance along with 2nd line Quality Assurance of existing lending to ensure key risks are monitored and controlled effectively.
Key responsibilities
- Consider underwriting referrals from the Bank's various business lines through the application of a Credit Committee mandate.
- Review, assess and (where appropriate) restructure credit recommendations for approval or onward recommendation to Sanctioning Committee.
- Complete 2nd line quality assurance oversight of new business applications by ensuring that the proposals being accepted are within the Bank's risk appetite.
- Facilitate and chair monthly Credit Risk Review meetings between the business lines and Credit Risk.
- Participate in lending initiatives and projects as they relate to Credit Risk.
- Support the business lines in maintaining up to date and relevant policies & procedures.
- Support with the annual credit review of key suppliers.
Fantastic opportunity for a strong Credit Underwriter to grow with a specialist, values-driven Bank in a fast-paced, friendly environment.
Commercial Credit Manager employer: psd group
Contact Detail:
psd group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial Credit Manager
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and finance sector. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have a lead on that perfect Commercial Credit Manager role!
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit risk and underwriting processes. Be ready to discuss your experience with Asset Finance and SME lending. We recommend practising common interview questions with a friend to boost your confidence.
✨Tip Number 3
Showcase your expertise! Create a portfolio that highlights your successful credit proposals and any projects you've led. This will give you an edge during interviews and demonstrate your hands-on experience in the field.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive and engaged with our values-driven approach.
We think you need these skills to ace Commercial Credit Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Commercial Credit Manager role. Highlight your experience in underwriting and credit assessment, and don’t forget to showcase any relevant achievements that align with the bank's values-driven approach.
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 your skills can contribute to the bank’s success. Be sure to mention your understanding of their focus on SMEs and corporate lending.
Showcase Your Soft Skills: While technical skills are crucial, don’t overlook the importance of soft skills. The bank values a warm, progressive culture, so highlight your teamwork, communication, and leadership abilities in your application.
Apply Through Our Website: We encourage you to apply through our website for a seamless application process. It’s the best way to ensure your application gets the attention it deserves, and we can’t wait to see what you bring to the table!
How to prepare for a job interview at psd group
✨Know Your Numbers
As a Commercial Credit Manager, you'll need to demonstrate your understanding of financial metrics and credit risk assessment. Brush up on key performance indicators relevant to asset finance and SME lending. Be ready to discuss how you've used these metrics in past roles to make informed decisions.
✨Showcase Your Problem-Solving Skills
Expect to be asked about complex credit proposals you've handled. Prepare specific examples where you successfully assessed and restructured credit recommendations. Highlight your thought process and the outcomes, as this will show your ability to navigate challenges effectively.
✨Understand the Bank's Culture
This bank prides itself on its values-driven approach. Research their culture and values, and think about how your personal values align with theirs. During the interview, share examples of how you've contributed to a positive team environment in previous roles.
✨Prepare for Scenario Questions
You might face scenario-based questions related to credit risk management. Practice articulating your approach to quality assurance and risk monitoring. Think about how you would facilitate discussions in Credit Risk Review meetings and support business lines in maintaining policies.
