Credit Manager

Our client is seeking an experienced Credit Manager to assess and evaluate lending applications through robust credit risk assessment, affordability analysis and sound financial principles. The successful candidate will support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework. Working closely with business stakeholders and relationship teams, you will provide expert credit guidance, make prudent lending decisions, identify growth opportunities and contribute to maintaining a high-quality credit portfolio.

• Articulate credit appetite based on risk appetite for sector and provide guidance on the structure of deals and documents (legal and collateral) required.
• Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities.
• Conduct annual risk reviews on the existing portfolio base.
• Make timely, sound and pragmatic recommendations and decisions in managing accounts within the portfolio.
• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgages or other collateral arrangements, intercreditor terms and enforcement priorities.
• Ensure covenants, information undertakings, cure rights, conditions precedent and drawdown controls are measurable and effectively monitored.

• Essential:
  Degree in Business, Commerce, Finance or a related discipline.
• Approximately 10 years' experience in credit risk management within banking or financial services.
• Strong understanding of corporate credit risk, lending products, derivative products and associated credit documentation.
• Comprehensive knowledge of credit policies, risk frameworks, Basel requirements and applicable regulatory standards.
• Experience engaging with senior client stakeholders, including Managing Directors, Finance Directors and Financial Managers.
• Proven people leadership experience with the ability to develop high-performing teams.
• Strong analytical, decision-making and stakeholder management skills.
• Desirable:
  Postgraduate qualification would be advantageous. Real estate (ideally UK), property finance or structured lending education.

Our client values a supportive and dynamic working environment that fosters professional growth and development. You will have the opportunity to work alongside some of the sector's most talented professionals in a role that offers meaningful challenges and the chance to contribute to the success of the business.