Senior Credit Risk Manager, Project and Real Estate Finance

Key Responsibilities

• Senior Credit Manager responsible for independent credit decisioning, portfolio risk management, and transaction structuring across complex structured finance deals.
• The role partners closely with the Chief Credit Officer and Front Office teams to support business growth while ensuring strong risk discipline.
• Perform Second Line of Defence oversight for Credit Risk, providing effective challenge to First Line risk management activities.
• Oversee and support the Group’s Enterprise Risk Management Framework (ERMF) for Credit Risk, ensuring clear ownership, understanding, and accountability across First and Second Lines.
• Conduct robust reviews of ERMF effectiveness for Credit Risk, escalating material issues or gaps to senior management and relevant Board committees.
• Monitor adherence to the Group Risk Appetite Framework for Credit Risk, using risk reporting to identify and elevate breaches or emerging concerns.
• Ensure credit portfolio quality remains within approved risk appetite and underwriting standards, with timely and accurate reporting.
• Promote a strong risk culture and execute Process Universe responsibilities in line with the ERMF.
• Make final credit decisions on wholesale lending within delegated authority, ensuring high-quality credit analysis and complete, accurate documentation.
• Proactively identify, assess, and elevate emerging risk issues as appropriate.

Qualifications

• Extensive experience as a Credit Officer, in banking/financial services, including recent tenure in a credit approval or credit risk capacity.
• Strong sector expertise across Project Finance, Leveraged Finance, and Real Estate, with additional exposure to Shipping, Aviation, Data Centres, and other structured lending sectors.
• Proven track record of assessing and approving complex credit transactions, particularly within project finance and leveraged finance environments.
• Experience operating within established international financial institutions, with a strong understanding of global credit standards and frameworks.
• Deep understanding of structured finance, risk assessment, and credit underwriting, with the ability to evaluate complex deal structures and mitigate risk effectively.
• Strong collaboration skills, working closely with front office, risk, and senior stakeholders to support sound credit decision-making.

Benefits

• In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.
• Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.
• Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and various self-help toolkits.
• Continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values-driven organisation, one that embraces and celebrates our unique diversity across our teams, business functions and geographies – everyone feels respected and can realise their full potential.