Credit Manager

RD Financial Recruitment Limited; Bracknell; Hybrid; GBP 57,000 - 69,000; Full time

Benefits offered by this job

Hybrid work arrangement

2 days WFH per week

Job summary

RD Financial Recruitment Limited in Bracknell is seeking a senior Credit Manager to lead a wholesale team, overseeing credit, risk and underwriting with responsibility for people development.

You will review B2B credit proposals, make decisions within delegated authority, and manage month-end reporting while liaising with banks, solicitors and other creditors. Hybrid role with potential for Friday finish at 1pm.

Qualifications

• Significant experience underwriting B2B credit proposals.
• Strong financial analysis and credit assessment skills.
• Previous experience managing and developing a team.
• Confidence to make lending decisions within a risk framework.
• Strong relationship-building and influencing skills with senior stakeholders.
• Excellent commercial judgement and attention to detail.
• Experience in automotive finance, dealerships or motor industry is advantageous.

Responsibilities

• Manage, develop and support a team of credit professionals.
• Review and underwrite B2B credit proposals, including dealer financial performance and funding requirements.
• Make credit decisions within your delegated authority and provide recommendations on larger exposures.
• Own month-end reporting and prepare information for committee and risk meetings.
• Build strong relationships with dealers and senior stakeholders.
• Analyse new dealer applications, business plans and funding requirements.
• Manage credit risk where dealers become distressed, including site visits, stock recovery and debt reconciliation.
• Ensure robust governance, controls and regulatory compliance across the department.
• Work with banks, solicitors and other creditors where security is required.
• Deputise for the Wholesale Department Manager when required.

Skills

Significant underwriting experience

Financial analysis

Team leadership

Decision making within risk framework

Relationship building with seniorstake

Commercial judgement/attention to detа

Experience in automotive finance (adv)

Job description

Are you an experienced Credit Manager with a strong background in B2B underwriting?

Bracknell | Hybrid Working | Permanent | Up to £63k| Finish at 1pm on a Friday

RD Financial Recruitment is working with a well-established global organisation to recruit a Credit Manager to join its Wholesale team.

This is a senior role with responsibility for credit, risk and underwriting, alongside the management and development of a team

The role

• Manage, develop and support a team of credit professionals.
• Review and underwrite B2B credit proposals, including dealer financial performance and funding requirements.
• Make credit decisions within your delegated authority and provide recommendations on larger exposures.
• Own month-end reporting and prepare information for committee and risk meetings.
• Build strong relationships with dealers and senior stakeholders.
• Analyse new dealer applications, business plans and funding requirements.
• Manage credit risk where dealers become distressed, including site visits, stock recovery and debt reconciliation.
• Ensure robust governance, controls and regulatory compliance across the department.
• Work with banks, solicitors and other creditors where security is required.
• Deputise for the Wholesale Department Manager when required.

About you

• Significant experience underwriting B2B credit proposals.
• Strong financial analysis and credit assessment skills.
• Previous experience managing and developing a team.
• The confidence to make informed lending decisions within a risk framework.
• Strong relationship-building and influencing skills, particularly with senior stakeholders.
• Excellent commercial judgement and attention to detail.
• Experience within automotive finance, dealerships or the wider motor industry would be advantageous, but isn't essential.

What’s on offer?

The role offers a hybrid working arrangement, with the flexibility to request up to 2 days working from home per week, subject to business requirements.