Credit Director

CBC Recruitment Solutions; London, Manchester; Hybrid; GBP 100,000 - 150,000; Full time

Job summary

An established specialist bank is seeking experienced Credit Directors to join their dynamic team in London. This innovative firm is focused on expanding its commercial banking services and requires high-profile bankers to assess lending applications in the trading and commercial real estate sectors. The role involves collaborating with various teams to deliver high-quality credit recommendations and support strategic projects. With a competitive salary and an attractive benefits package, this is a fantastic opportunity for professionals looking to make a significant impact in the banking industry.

Benefits

Good bonus

Shares

Pension

Healthcare

Qualifications

• 5+ years of experience in credit risk or transferable skills.
• Strong knowledge of commercial and corporate banking.

Responsibilities

• Analyze new lending applications and make informed underwriting decisions.
• Collaborate with teams to maintain quality and quantity of new business.

Skills

Credit Risk Analysis

Commercial Banking Knowledge

Negotiation Skills

Analytical Skills

Decision Making

Education

Experience in Credit Risk Function

Knowledge of Credit Risk Models

Job description

Credit Director – Commercial Banking

Location: London / South East – Manchester / North West – hybrid – three days in the office

Salary: 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 two high-profile bankers to assess and make lending decisions on new business in the trading business / debt finance and commercial real estate financing 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 and Commercial Real Estate Development 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.
• Supporting 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, Financial Sponsors, and/or Residential and Commercial Real Estate Finance.
• At least five years’ experience working in a credit risk function or able to demonstrate transferable skills.
• 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.

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

Interested candidates should send their CV or any enquiries to Miles Clarke, Director, CBC Resourcing Solutions.