Credit Manager

As a Credit Manager and part of Oxbury’s Credit Risk team, you'll be responsible for supporting lending decisions through underwriting and credit risk management. Working closely with colleagues across the business, you'll help ensure lending is carried out responsibly with customers at the heart of what we do, maintaining strong controls and supporting the Bank's growth ambitions.

Role Responsibilities:

• Implement the credit lending strategy of the Bank in line with the Board’s risk appetite, credit risk policies, and corporate governance, ensure the Board’s expectations for levels of professional conduct and integrity and ethical values are respected throughout Credit Risk, promote good behaviour and setting an example in this regard.
• Maintain robust lending standards and practice, including compliance with industry guidelines and statutory regulations requirements such as customer affordability, PRA/FCA’s Statements of Principles, treating customers fairly, anti-money laundering and data protection.
• Work with colleagues to implement Board and Committee decisions whilst making valuable individual contribution as a member of the Oxbury team.
• Exercise a personal sanctioning authority with diligence and care ensuring file records/risk reports include the degree of risk involved in extending credit with clear, concise and rational recommendations for the credit decision and prepare papers for those transactions requiring higher authority decisioning, e.g. a Senior Credit Manager or Head of Credit decision.
• Review existing transactions periodically to include the evaluation of payment history, purchase activity, credit reference agency reports, security analysis, market / distributor intelligence and prepare recommendations for the renewal of internal credit ratings / facilities.
• Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and/or credit limit issued, that all documentation has been obtained, any conditionality satisfied, and any security requirement properly executed and recorded.
• Monitor default activity, and if required, participate in recoveries cases for the Bank.
• Participate in ongoing personal development to deliver on business/personal objectives.
• Liaise with sales, internal sales support or operations as necessary to optimise the customer experience.

Required Skills / Experience:

• Academic background in a numerate discipline or equivalent work experience appropriate to the role.
• SME/Corporate lending/credit risk experience within a Bank or Asset Lender.
• Minimum 3 years Credit Risk/Lending experience with time spent analysing and interpreting financial statements/data from a variety of sources.
• Experience of operating under a tiered mandate structure and holding a lending mandate.
• A self-starter who is motivated, enthusiastic, and proactive with a strong work ethic and a flexible attitude.
• Excellent interpersonal and communication skills with an ability to operate effectively on Committees.
• A knowledge of Credit Risk and Lending in the Banking Industry and/or knowledge of the Agricultural sector, the various product offerings, types of funding facilities available, and security procedures.
• Understanding of risk appetite and risk management frameworks.
• An understanding of compliance and banking regulations including Conduct Risk and how to deliver fair customer outcomes.
• Ability to use appropriate Lending systems and knowledge of Credit Reference Agencies products.
• Good Microsoft Word, Excel and reporting skills.
• Inspires respect, trust and commitment to business objectives.
• Ability to develop working relationships with Oxbury colleagues.
• Demonstrates sound business/professional judgement, risk awareness, and common sense.
• Organised with an attention to detail; works well under pressure, to tight deadlines; can prioritise.
• Good analytical skills.
• Ability to communicate effectively both orally and in writing.
• Good influencing skills and the ability to package and present ideas and gain agreement from peers.

We are Oxbury:
The only UK bank dedicated to British agriculture. Founded by farmers, bankers, and technologists, we have combined the worlds of financial services, technology, and agriculture to provide bespoke financial products to support the rural economy.

Our mission is to create and grow a sustainable, customer-focused, and innovative bank that supports and champions the financial health of the rural economy.

Alongside this we can offer you:

• An an excellent benefits package.
• 25 days holiday, plus 8 days bank holiday (this increases with service).
• Oxbury Bonus scheme.
• Free Personal Training session every week.
• Private Medical Healthcare.
• Employee Assistance Programme.
• Life Insurance.
• Enhanced maternity/paternity leave.

Please note that we do not offer sponsorship with this role.