Location: Wolverhampton, 2 days a week in office
Salary: Up to £70,000
Most credit risk roles keep you buried in one book of business, whereas this one puts you across several of the more interesting corners of a specialist lender's book, non-residential and bridging, with a real seat at the table when it comes to shaping how the company manages risk through a shifting market.
This is a company that's built a reputation as one of the better places to grow a career in credit risk, and that comes through in how the team actually operates day to day. It's a close-knit, friendly group rather than a faceless corporate function, and the business has a track record of moving people up quickly when they show they can do the job, so this isn't a role where you sit still for years waiting for a title change.
You’ll own the ongoing monitoring of the non-residential and bridging portfolios, picking apart arrears, defaults, forbearance, LTV profile and exposure concentrations to spot where things are moving before they become a problem, and then translating that into recommendations that actually land with senior management and the Group Credit Committee. There's a good mix of the analytical and the commercial here too, from assessing how interest rates or asset liquidity might be squeezing a segment of the book, through to sitting across the table with Product, Underwriting, Legal and Finance to challenge decisions that could affect the risk profile.
So, if you have experience in:
- Analytics within commercial credit, risk or audit
- Understanding of commercial, semi-commercial, asset finance, bridging and development finance credit risk
- Pulling data together from different sources, drawing out the key themes and turning it into clear, usable findings
- Building and maintaining credit or collections policyPreparing management information, portfolio reporting or papers for committee
And ideally bring:
- An understanding of the credit cycle beyond just monitoring, whether that's origination, portfolio management or collections
- Previous experience leading or presenting cross-functionally, adjusting the message depending on who's in the room
- Some exposure to project work or providing technical input alongside the day to day
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Credit Portfolio Manager (Non-Residential & Bridging) | Up to £70k | 2 days in office employer: Skillful
As a leading InsurTech in the UK short-term motor insurance market, this company offers a dynamic work environment that feels like a start-up, fostering real ownership and collaboration among a small, dedicated team. With generous benefits including up to 22 'work from anywhere' days, a strong focus on employee growth through dedicated training budgets, and a commitment to work-life balance, this role as a Lead Portfolio Analyst provides an opportunity to make a tangible impact on underwriting decisions while enjoying a supportive and innovative culture.
