Credit Manager- Asset Finance/ SME

2 days a week in the Midlands

£60K-£65K

*Must have Asset Finance background*

*Must have Commercial lending background*

My Client is on the search for a Credit Risk Manager to support the effective underwriting of Credit proposals across a breadth of residential buy-to-let, motor finance, residential property development and SME trading business sectors, either jointly approving within own personal delegated credit authority or supporting to Sanctioning Committee.

Duties And Responsibilities

• Consider underwriting referrals from the Bank’s various new business lines through the application of a Credit Committee mandate.
• Review, assess and (where appropriate) restructure credit recommendations for approval or onward recommendation to Sanctioning Committee.
• Complete 2nd line quality assurance oversight of new business applications by ensuring that the proposals being accepted are within the Bank’s risk appetite.
• Facilitate and chair monthly Credit Risk Review meetings between the business lines and Credit Risk.
• Participate in lending initiatives and projects as they relate to Credit Risk.
• Support the business lines in maintaining up to date and relevant policies & procedures.
• Support the Procurement Team in the annual credit review of key suppliers.

About You Skills

• A minimum of 10 years credit underwriting experience across a breadth of lending sectors.
• Direct experience of Asset Finance underwriting in the SME sector would be an advantage.
• Demonstrate an ability to operate a Senior Underwriting mandate through an understanding of risk appetites, capital considerations and complex corporate lending structures/entities.
• Ideally educated to degree level or equivalent.
• Ability to work self-sufficiently on own initiative and effectively manage completion of own objectives.
• A full and demonstrable understanding of the credit cycle through strong business awareness.
• Attention to detail and excellent investigation/risk management skills.
• Advanced report writing skills.
• Effective communication, presentation, and people management skills.
• Use of MS Office software for data analysis and review reports

Send your CV to nmohamed@merje.com

*No sponsorship on offer*