Credit Risk Manager - Commercial & Asset Finance
West Midlands
We are working with a well-established UK specialist bank that supports businesses through tailored lending solutions across commercial, property, and asset-backed finance.
They are looking to appoint a Credit Risk Manager into a small, highly experienced central credit team. This is a pivotal role that sits at the heart of the bank's decision-making, reviewing and approving their most complex and highest-value transactions.
The Role
This is a senior-level credit role where you will:
* Review and sanction complex commercial lending proposals
* Assess deals that fall outside standard policy or exceed local mandates
* Make independent credit decisions within your own authority
* Prepare detailed credit papers for executive sanctioning committees
* Present and defend recommendations to senior leadership
* Work closely with front-line relationship and credit teams
* Advise on structuring, risk mitigation, and deal viability
* Act as a trusted credit partner to multiple business lines
* Support other portfolios when required
While your primary focus will be on SME asset finance and leasing, you will also have exposure to wider commercial, property, and structured lending.
-----------------------------------
What We're Looking For
This role is suited to a senior commercial credit professional who brings:
* Extensive experience in commercial credit underwriting
* Exposure to multiple lending sectors (e.g. SME, trading businesses, asset finance, property, structured lending)
* Strong financial analysis skills across full company accounts
* Experience operating with a significant personal credit mandate (7-figure+)
* Confidence operating at senior stakeholder and executive level
* The ability to apply judgement, not just policy
Experience in asset finance or leasing is highly desirable, but not essential if you bring the right commercial breadth.
-----------------------------------
Package & Working Pattern
* Salary circa £65,000 (flexibility for exceptional candidates)
* Hybrid working (2 days per week in the office)
* Strong benefits package
* Exposure to genuinely interesting and complex deals
* A visible, influential role within the business
* Plus many more