Credit Risk Manager

Let Us Tell You a Bit About The Opportunity

Reporting to the Head of Credit - CRE Risk, you will assess and approve new lending applications, customer reviews, and in‑life lending requests, ensuring decisions align with the bank’s risk appetite, lending policy, and delegated authority framework. As a trusted advisor to the lending teams, you will provide commercial and risk‑based challenge on complex transactions, support strong customer outcomes, and help identify and mitigate conduct and operational risks.

You will also mentor colleagues and contribute to a high‑performing credit team.

• Assess and sanction new lending proposals, primarily within Commercial Real Estate (CRE), and support Portfolio (Private Rental Sector) lending where required.
• Review and approve annual customer reviews and ad‑hoc in‑life lending requests.
• Provide expert guidance and constructive challenge on complex lending transactions.
• Coach, mentor, and develop colleagues across the Credit team and wider Property & Business Finance division.
• Undertake quality assurance reviews to ensure consistency and excellence in credit decision‑making.
• Contribute to the development and enhancement of lending policies, standards, procedures, and best practices.
• Support the evolution of effective credit risk controls and loss management strategies.
• Represent Credit at key governance forums, including the Large Transaction Credit Committee and business line Credit Forums.

• Proven experience operating under an individual lending mandate, with a strong track record of credit decision‑making.
• Demonstrable success in driving continuous improvement within a credit risk environment, resulting in enhanced application quality, stronger lending decisions, improved acceptance rates, and reduced arrears.
• Experience contributing to and developing high‑performing teams through collaboration, coaching, and knowledge sharing.
• Strong technical expertise in Commercial Real Estate lending, with a deep understanding of the full credit lifecycle and risk management process.
• Knowledge of trading businesses is advantageous, particularly within the Care Home and Hotel sectors.
• Experience with syndicated or club lending transactions would be beneficial.
• A proactive, self‑motivated professional who combines independent thinking with a collaborative team‑focused approach.

• A hybrid working policy, 2 days per week onsite at our Manchester office.
• A friendly and flexible culture.
• A growing organisation with many opportunities to progress.
• A drive for continuous improvement, empowered from day one.
• Competitive rewards, including core benefits and bonus potential.

We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, pregnancy, or family leave. We are committed to building a working environment that values respect, diversity, and compassion. Please note that we have a thorough referencing process, which includes criminal record checks.