Job Description Job title: Head of Credit Salary: up to £60k car allowance other benefits Location: Hybrid in Wolverhampton Key Responsibilities Lead the sanctioning team, ensuring credit decisions are consistent, well-judged and delivered within agreed service level targets, while coordinating team capacity to meet operational demand. Act as the initial approval point for new loan appraisals and due diligence prepared by Business Development Managers, ensuring applications are ready to progress through the credit process. Maintain and strengthen adherence to credit policy, taking responsibility for reviewing and enhancing credit policies, procedures and internal processes when required. Ensure all loan applications comply with the rules of relevant funding programmes and guarantee schemes. Provide coaching, guidance and development support to the Business Development Manager (BDM) team. Support the Business Development function in onboarding and training new BDMs, particularly in the preparation and presentation of loan applications. Provide training and professional development for members of the sanctioning team. Monitor macro-economic and political developments that may impact lending activities. Update credit policies, appraisal processes and training materials accordingly. This may include identifying sector-specific risks and implementing tailored appraisal guidance and training. Contribute to the organisation’s strategic direction through insight from credit operations. Prepare and deliver management information and reporting as required. Support the preparation of funding applications. Promote continuous improvement, contributing to the development of systems, processes and operational practices, while engaging in personal and professional development. Represent and promote the organisation’s services through attendance at networking events, conferences, exhibitions and industry activities. Comply with organisational policies and procedures, including the Performance Management Framework and Equal Opportunities Policy. Work in partnership with the Portfolio and Compliance Manager to ensure systems, processes and controls remain compliant with FCA regulatory requirements. LI-PB1