Credit Manager, Securitisation Credit Risk

NatWest Group; Manchester; On-site; GBP 100,000 - 125,000; Full time

Job summary

A leading banking institution is seeking a Credit Manager for Securitisation Credit Risk in Manchester. This role involves sanctioning borrowing applications, conducting risk assessments, and ensuring compliance with lending policies. The ideal candidate will have strong analytical skills, a background in commercial lending, and a formal banking qualification or equivalent experience. Join us to make an impact on credit oversight and customer outcomes.

Qualifications

• Experienced lender with sound analytical and technical credit skills.
• Ability to shape complex deals for fair customer outcomes.
• Commitment to obtain necessary qualifications within 12 months.

Responsibilities

• Sanction credit solutions within the bank’s risk appetite.
• Provide second line of defence oversight for lending.
• Undertake quality risk assessments across lending requests.

Skills

Analytical skills

Technical credit skills

Commercial awareness

Interpersonal skills

Communication skills

Education

Formal banking qualification or equivalent experience

Job description

Join us as a Credit Manager, Securitisation Credit Risk

• This is an opportunity for a Credit Manager to take on an exciting new career challenge
• You’ll sanction borrowing applications within a delegated authority level in accordance with current risk appetite, process and procedures, within a securitisation credit risk team
• Hone your existing credit skills and gain valuable exposure as you establish and maintain effective relationships with key stakeholders, and act as an ambassador for the function, raising credit skills and awareness in the business

What you'll do

We’ll look to you to sanction credit solutions within the bank’s risk appetite, while providing assurance of consistent and disciplined credit underwriting in line with risk appetite, with key risks identified.

You’ll also be providing second line of defence oversight to make sure the first line remains within the lending appetite and policy, ensuring robust risk and control frameworks are in place and followed.

It’ll also be your responsibility to:

• Undertake quality risk assessments across a range of lending requests from customers
• Clearly articulate lending decisions that include only relevant terms and conditions
• Make sure the needs and impact upon the customer are considered through all aspects of the risk assessment process allowing fair outcomes for our customers
• Work collaboratively to make sure the team deliver responses within agreed deadlines
• Develop procedures to apply core credit policies to securitisation to make sure they’re fit for purpose, as well as shaping and challenging product and asset class risk appetite

The skills you'll need

We’re looking for an experienced lender with sound analytical and technical credit skills, strong commercial awareness and the ability to shape complex deals to create fair customer outcomes. In addition, you’ll bring knowledge of the mid-corporate and commercial segment, sectors, and lending products.

You’ll need to hold a formal banking qualification or have equivalent professional experience, or the commitment to obtain a qualification within 12 months to be maintained through subsequent continuous professional development.

You’ll also need:

• Knowledge of product and transaction types, such as repos, margin loans, derivatives, synthetic and true sale securitisation structures
• An understanding of credit policy, economic, legal, regulatory and specialist sector issues, along with underwriting processes and systems
• A deep understanding of underlying products and jurisdictions such as mid-market corporates, consumer lending, mortgages, credit cards, auto loan, and CRE
• The ability to read, understand and challenge legal securitisation documentation
• Strong interpersonal and communication skills, and the ability to work well as part of a team