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- Tasks: Review and approve complex commercial lending proposals and make independent credit decisions.
- Company: Established UK specialist bank with a focus on tailored lending solutions.
- Benefits: Competitive salary, hybrid working, and strong benefits package.
- Why this job: Join a pivotal role influencing high-value transactions and making impactful decisions.
- Qualifications: Extensive experience in commercial credit underwriting and strong financial analysis skills.
- Other info: Opportunity to work on interesting deals and grow within a supportive team.
The predicted salary is between 46800 - 78000 £ per year.
We are working with a well-established UK specialist bank that supports businesses through tailored lending solutions across commercial, property, and asset-backed finance. They are looking to appoint a Credit Risk Manager into a small, highly experienced central credit team. This is a pivotal role that sits at the heart of the bank’s decision-making, reviewing and approving their most complex and highest-value transactions.
The Role
- Review and sanction complex commercial lending proposals
- Assess deals that fall outside standard policy or exceed local mandates
- Make independent credit decisions within your own authority
- Prepare detailed credit papers for executive sanctioning committees
- Present and defend recommendations to senior leadership
- Work closely with front-line relationship and credit teams
- Advise on structuring, risk mitigation, and deal viability
- Act as a trusted credit partner to multiple business lines
- Support other portfolios when required
While your primary focus will be on SME asset finance and leasing, you will also have exposure to wider commercial, property, and structured lending.
What We’re Looking For
- Extensive experience in commercial credit underwriting
- Exposure to multiple lending sectors (e.g. SME, trading businesses, asset finance, property, structured lending)
- Strong financial analysis skills across full company accounts
- Experience operating with a significant personal credit mandate (7-figure+)
- Confidence operating at senior stakeholder and executive level
- The ability to apply judgement, not just policy
- Experience in asset finance or leasing is highly desirable, but not essential if you bring the right commercial breadth.
Package & Working Pattern
- Salary circa £65,000 (flexibility for exceptional candidates)
- Hybrid working (2 days per week in the office)
- Strong benefits package
- Exposure to genuinely interesting and complex deals
- A visible, influential role within the business
Credit Risk Manager employer: Trades Workforce Solutions
Contact Detail:
Trades Workforce Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance sector, especially those who work in credit risk. 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 financial analysis skills. Be ready to discuss complex lending proposals and how you’ve tackled similar challenges in the past. Confidence is key!
✨Tip Number 3
Showcase your ability to make independent credit decisions. During interviews, share examples of when you’ve successfully navigated tricky situations or exceeded mandates. This will highlight your judgement skills.
✨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 about their job search.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Manager role. Highlight your experience in commercial credit underwriting and any exposure to different lending sectors. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Mention specific experiences that demonstrate your ability to make independent credit decisions and work with senior stakeholders.
Showcase Your Financial Analysis Skills: Since strong financial analysis skills are key for this position, be sure to include examples of how you've successfully assessed complex deals in the past. We love seeing numbers and results that back up your claims!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity. We can’t wait to see what you bring to the table!
How to prepare for a job interview at Trades Workforce Solutions
✨Know Your Numbers
As a Credit Risk Manager, you'll need to demonstrate your financial analysis skills. Brush up on your understanding of full company accounts and be ready to discuss specific examples from your past experience. This will show that you can assess complex lending proposals effectively.
✨Prepare for Complex Scenarios
Expect to be asked about your approach to deals that fall outside standard policy. Prepare a few case studies where you've successfully navigated such situations. This will highlight your ability to apply judgement and make independent credit decisions.
✨Engage with Stakeholders
Since this role involves presenting to senior leadership, practice articulating your recommendations clearly and confidently. Think about how you can defend your decisions and engage in discussions about risk mitigation and deal viability.
✨Show Your Versatility
While the focus is on SME asset finance, be prepared to discuss your exposure to other lending sectors. Highlight any relevant experience in commercial, property, or structured lending to showcase your breadth of knowledge and adaptability.
