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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: Experience in credit underwriting and strong analytical skills.
- Other info: Fast-paced, friendly environment with excellent career advancement opportunities.
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 in Manchester employer: psd group
Contact Detail:
psd group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial Credit Manager in Manchester
✨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 want you to showcase your expertise and how it aligns with the bank's values-driven approach.
✨Tip Number 3
Practice makes perfect! Conduct mock interviews with friends or mentors. Focus on articulating your thought process when assessing credit proposals and managing risks. This will help you feel more confident and articulate during the real deal.
✨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 company. Let’s get you that Commercial Credit Manager position!
We think you need these skills to ace Commercial Credit Manager in Manchester
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 warm culture and commitment to customer focus.
Showcase Your Analytical Skills: As a Credit Manager, strong analytical skills are key. In your application, provide examples of how you've successfully assessed complex proposals or managed risk in previous roles. This will demonstrate your capability to handle the responsibilities outlined in the job description.
Apply Through Our Website: We encourage you to apply through our website for a seamless application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates regarding your application status!
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 financial ratios and how they apply to asset finance and SME lending. Be ready to discuss specific examples from your past experience where you successfully assessed credit proposals.
✨Understand the Bank's Culture
This bank prides itself on its warm, progressive culture. Research their values and be prepared to explain how your personal values align with theirs. Share examples of how you've contributed to a positive team environment in previous roles, as this will resonate well with their values-driven approach.
✨Prepare for Technical Questions
Expect to face technical questions related to underwriting complex proposals and quality assurance processes. Review the specifics of asset finance, corporate BTL, and real estate lending. Practise articulating your thought process when reviewing credit recommendations, as this will showcase your expertise and decision-making skills.
✨Showcase Your Leadership Skills
As you'll be facilitating and chairing Credit Risk Review meetings, it's crucial to highlight your leadership abilities. Prepare to discuss instances where you've led discussions or projects, particularly in a credit risk context. Emphasising your ability to collaborate with various business lines will demonstrate that you're a strong fit for this role.
