Credit Manager - Specialist Lending

About the team

We’re looking for a Credit Manager - Specialist Lending to join our Credit Risk function and help shape how we oversee our specialist lending portfolios.

Reporting directly to the Group Head of Credit Risk, this is a visible and influential role with exposure to senior stakeholders, Group Credit Committee and strategic portfolio decision making.

You’ll focus on our non-residential and specialist lending portfolios, including Commercial, Development Finance, Bridging, Asset Finance and larger exposures, although you do not need to have deep experience in every product area. We are looking for someone with strong credit judgement, analytical curiosity and the ability to translate portfolio performance into clear action.

You’ll work closely with colleagues across Credit Risk, Underwriting, Product, Finance, Strategy and OSBI to improve insight, strengthen MI and support the continued evolution of the Group’s credit risk framework.

This role is based from our Wolverhampton office and there maybe occasional travel to London and the South of the UK.

In this role, you’ll provide clear analysis, insight and constructive challenge so portfolio performance is well understood, monitored and managed in line with risk appetite, lending strategy, policy and regulatory expectations.

You’ll have the opportunity to influence risk appetite, lending criteria, portfolio actions and committee-level decision making as our specialist lending portfolios continue to evolve.

Your responsibilities will include:

• Monitor portfolio performance across Commercial, Development Finance, Bridging, Asset Finance the Groups larger exposures, analysing key credit risk indicators and identifying emerging risks
• Lead focused portfolio reviews and deep dives into specific products, sectors, cohorts or higher value exposures
• Turn portfolio data into clear insight, practical recommendations and committee-ready reporting for senior management and governance forums
• Support risk appetite and policy oversight, including the review of limits, triggers and lending criteria where performance or market conditions change
• Engage with stakeholders across Risk, Underwriting, Product, Legal, Modelling, Finance and Strategy to support disciplined and commercially balanced credit decisions
• Contribute to stress testing, scenario analysis and forecasting, helping the business understand sensitivity to macroeconomic and credit risk drivers
• Support the design and tracking of management actions where emerging risks or performance deterioration are identified
• Help improve portfolio MI, reporting processes and analytical capability across the team
• Maintain strong governance through clear documentation, adherence to risk and data policies, and consistent application of credit risk standards

This is a strong opportunity for an experienced credit professional who wants broader exposure across specialist lending, senior stakeholder engagement and the ability to shape portfolio risk oversight in a growing area of the business.

You’ll be close to the key decisions, with direct access to senior credit leadership and regular visibility through governance and committee reporting.

We offer a competitive base salary depending on experience from £60,000 to £70,000 and a competitive benefits package including:

• Annual discretionary bonus opportunity
• 30 days annual leave plus bank holidays
• Choose to contribute 3% or 5% pension, with employer contributions of 6% or 8% respectively
• Enhanced family-focused benefits
• Hybrid-working

Please use this link to see the fantastic benefits available at OSB: OSB Careers

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