Credit Director

CBC Recruitment Solutions; Greater London; On-site; GBP 100,000 - 150,000; Full time

Benefits offered by this job

Bonus potential

Shares

Pension

Healthcare

Job summary

CBC Recruitment Solutions is recruiting a Credit Director – Commercial Banking for London, offering a hybrid model with three days in the office. The role focuses on underwriting and approving lending in the trading and debt finance sectors, with oversight of risk, policy, and deal structuring.

A competitive package includes bonus potential, shares, and strong benefits. The ideal candidate has deep commercial banking experience, sector knowledge, and a proven sanctioning track record, ready to

Qualifications

• Extensive experience in commercial and corporate banking with a credit risk focus.
• Strong credit risk analysis; sector experience in Healthcare, Hospitality & Leisure, Manufacturing, Financial Sponsors.
• Minimum five years of sanctioning experience in bank credit risk.
• Ability to conduct discussions with customers and colleagues and make timely decisions in a demanding environment.
• Adaptable to a dynamic, entrepreneurial bank/fintech setting.

Responsibilities

• Analyze potential new lending applications and support underwriting decisions with credit papers and recommendations for credit committee.
• Collaborate with Debt Finance Directors who source new lending in the £1m–£50m range.
• Make recommendations on deal structures to balance customer needs with risk appetite.
• Support Legal, Deal Execution and Portfolio Management to close transactions and maintain post-drawdown facility integrity.
• Assist leadership with credit risk policy initiatives and strategic projects.

Skills

Commercial banking knowledge

Credit risk analysis

Structured lending

Cashflow analysis

Negotiation

Job description

Credit Director – Commercial Banking

London / South East – hybrid – three days in the office

c.£100,000 to £150,000 per annum plus good bonus, shares, pension, healthcare

Our client is an established specialist bank that provides innovative lending and savings products to the UK commercial banking and retail consumer sectors.

As it continues to expand it is keen to appoint an experienced credit risk specialist to assess and make lending decisions on new business in the trading business / debt finance sectors.

The roles:

• Analysing potential new lending applications and working closely with the commercial, analytics and leadership teams to make informed underwriting decisions and deliver high quality credit papers and recommendations for credit committee.
• Working collaboratively with the Debt Finance Directors who typically source new lending business in the £1 million to £50 million range.
• Making recommendations on deal structures to assist the customers and maintain the quality and quantity of new business written.
• Support the Legal, Deal Execution and Portfolio Management teams when necessary to get transactions 'over the line' and maintain the integrity of the facilities post-drawdown.
• Assisting the leadership team and Head of Credit with credit risk policy initiatives and strategic projects when necessary.

The candidate requirements:

• An experienced banker with a working knowledge of commercial banking, corporate banking, cashflow and / or structured lending.
• Strong credit risk analysis skills with a preference for some sector experience in Healthcare, Hospitality and Leisure, Manufacturing and Financial Sponsors.
• At least five years of sanctioning experience working in a bank credit risk function.
• A good knowledge of credit risk models associated with the analysis of SME clients and an understanding of the wider risks associated with SME lending.
• Able to conduct customer and colleague discussions and negotiations and make timely decisions in a driven and sometimes demanding environment.
• Able to adapt to a demanding, entrepreneurial and innovative bank / fintech environment.

The rewards for strong performers is a good basic salary, good bonus potential, shares and a good benefits package.