Credit Risk Manager
£75,000 - £85,000 + Bonus + Benefits


They are a well-known and strongly established banking group with a unique brand history who offer their customers a truly personalised experience. The bank has strong employee values and is a collegiate environment.


  • CeMAP qualification, or Technical credit or accounting qualification;
  • Minimum 10 years' experience working in financial services, preferably retail banking
  • Proven track record in assessing and sanctioning complex, high net worth (HNW) private client and commercial lending propositions, preferably as a sanctioner;
  • Experience of regulated and non-regulated mortgages (UK and offshore), development loans, secured and unsecured borrowing and contingent liabilities;
  • Experience in managing non-performing portfolios and strategies for recoveries / collections;
  • Expert financial analysis skills including ratio, trend and cash flow analysis, creating projections and stress testing;
  • Experience of analysis and interpretation of detailed credit risk data at a portfolio leve and producing high quality reports and recommendations
  • Some experience of contributing to or developing credit risk strategies and reviewing and drafting detailed credit policies and procedures


  • Support the Head of Credit & Conduct, as a first line of defence, in managing the bank's loan book and ensuring legal and regulatory compliance;
  • Perform in-depth risk assessments of existing and prospective customer lending propositions, sanctioning propositions (within delegated authority limits) or providing recommendations to 2nd line credit risk or Credit Committee in line with agreed Service Levels;
  • Monitor in-life performance of the portfolio and consider the impact of macro-economic trends and emerging risks on the portfolio;
  • Assist with the production of monthly portfolio reporting including key workflow statistics and in-life loan book performance;
  • Work with relationship managers to develop customer debt recovery strategies and oversee the tactical execution and monitor associated risks;
  • Help to improve the quality of lending propositions by providing training to relationship managers and sharing best practice, technical developments and financial analysis skills;
  • Contribute to the review of credit related process and controls, making recommendations for improvements and including the design of more efficient processes;