Credit Risk Manager

The Vacancy

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 play a key role in mentoring colleagues and contributing to a high‑performing Credit team.

To act as an ambassador of the Bank’s vision to:
Back more people to go for it in life and in business.

• Assessing and sanctioning new lending proposals, primarily within Commercial Real Estate (CRE), and supporting Portfolio (Private Rental Sector) lending where required.
• Reviewing and approving annual customer reviews and ad hoc in‑life lending requests.
• Providing expert guidance and constructive challenge on complex lending transactions.
• Coaching, mentoring, and developing colleagues across the Credit team and wider Property & Business Finance division.
• Undertaking quality assurance reviews to ensure consistency and excellence in credit decision‑making.
• Contributing to the development and enhancement of lending policies, standards, procedures, and best practices.
• Supporting the evolution of effective credit risk controls and loss management strategies.
• Representing 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 of 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, the same as how we work with our customers.
• A growing organisation that means there’s lots of opportunities to progress.
• A drive for continuous improvement, which you will be empowered to get behind from day one.
• Your compensation includes a competitive base salary and bonus potential, along with a good range of core benefits.

• Discretionary bonus scheme
• Aviva Digital GP
• Bus And Tram Benefit
• Employee Assistance Programme
• Eyecare Voucher & Display Screens/Desk Set‑Up
• Flu Jab Vouchers
• Group Income Protection
• Life Assurance
• Metrolink Annual Pass & Clipper Ticket
• Microsoft Discounts
• Private Medical Insurance Shopping Discounts
• Toothfairy
• Your Workplace Pension
• Hybrid Working

• Critical Illness
• Cycle To Work
• Dental Insurance
• Give As You Earn
• Government Tax‑Free Childcare Scheme
• Octopus Electric Vehicles
• Save Our Planet
• Season Ticket Loan
• Spouse Or Partner Life Assurance
• Technology
• Wearable Technology
• Wellbeing App
• Will Writing

We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.