Associate, Credit Stewardship

End Date

Tuesday 10 February 2026

£0 - £0

Hybrid Working, Job Share

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JOB TITLE:

Associate, Credit Stewardship, Portfolio Management

SALARY:
Competitive package available

LOCATION:

London, Birmingham or Leeds

HOURS:

Full Time

WORKING PATTERN:
Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at our London office

The Credit Stewardship (‘CS’) team within our Portfolio Management function provides an exciting opportunity to work in centre of excellence for all front-line credit stewardship activity. You'll support out client coverage colleagues managing a portfolio of businesses whose annual turnover exceeds £100m. The role provides an excellent opportunity to join a client facing team, which works closely with both the Corporate Sector Coverage teams, Credit, Delivery and Product partners, to manage all first line credit stewardship for existing and New to Bank.

As part of your role, you'll be required to build and maintain strong client relationships with a focus on stewarding new credit requests, annual renewals and Variations, reporting on facility excesses and ongoing covenant monitoring as well as managing the handover to Lending Operations to implement facility documentation.

This role will primarily support the Manufacturing & Industrials sector team, with the opportunity to develop knowledge across the wider Corporate Sector Coverage teams.

With oversight provided from an Associate Director, you'll have the opportunity to manage first-line credit stewardship activities for a portfolio of clients. Key accountabilities include:

• Responsible for all first line credit submissions into Credit (Annual Renewals/Variations/Increases) for an assigned sector portfolio
• Review of Financial Information / Ongoing Covenant Monitoring
• Analyse financial information and identify key issues
• Challenge current and future client credit performance incl. update notes to internal stakeholders and Credit
• Attendance at monthly reporting forums with Relationship Directors and Credit
• Provide Credit with sector insight/ monitor trends and market sentiment

• Undertake 1st line credit analysis for all client requests i.e. +1s, covenant re-sets / waivers and amendments and security amendments
• Operational
  
  Risk Management:
• Post-sanction activities - instruct Lending Operations to issue renewal letters/agreements to clients
• Ensure ratings/limits are marked correctly on systems
• Daily Excess Management – review and action all excesses and report to Credit where required

• Develop strong relationships with key partners including Corporate Coverage, Credit, Lending Operations and Product Partners

We're on an exciting journey and there couldn't be a better time to join us. The investments we're making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.

• Client Experience – applicants require a minimum of 12 months experience in Corporate Banking or related roles
• Experience in complex credit assessment and strong report writing skills
• Financial analysis and controls – ability to interpret client financial information, identify key issues and put in place appropriate deal structures and controls
• Product/Procedural/Specialist Knowledge – a broad understanding of internal processes and knowledge of a wide variety of products appropriate to Large Corporate clients Market Knowledge – awareness and understanding of the market environment in which Corporate Coverage operates.
• Strong interpersonal skills to build client relationships and manage multiple partners

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals…