Credit Risk Manager

Identify Solutions; Metropolitan Borough of Solihull; Hybrid; GBP 55,000 - 65,000; Full time

Job summary

A specialist UK bank is seeking a Credit Risk Manager to join their experienced credit team in Solihull. This pivotal role involves reviewing and sanctioning commercial lending proposals, assessing complex deals, and making independent credit decisions. The ideal candidate will have extensive experience in credit underwriting, strong financial analysis skills, and confidence operating at a senior level. A competitive salary of around £65,000 with flexibility for exceptional candidates is offered along with a strong benefits package and a hybrid working model.

Benefits

Strong benefits package

Exposure to complex deals

Influential role within the business

Qualifications

• Extensive experience in commercial credit underwriting required.
• Strong financial analysis skills across full company accounts are essential.
• Experience operating with significant personal credit mandate (7-figure+).

Responsibilities

• Review and sanction complex commercial lending proposals.
• Prepare detailed credit papers for executive committees.
• Advise on structuring and risk mitigation.

Skills

Experience in commercial credit underwriting

Financial analysis skills

Judgement application

Confidence at senior stakeholder level

Job description

Credit Risk Manager - Commercial & Asset Finance

West Midlands

We are working with a well‑established UK specialist bank that supports businesses through tailored lending solutions across commercial, property, and asset‑backed finance.

They are looking to appoint a Credit Risk Manager into a small, highly experienced central credit team. This is a pivotal role that sits at the heart of the bank’s decision‑making, reviewing and approving their most complex and highest‑value transactions.

The Role

This is a senior‑level credit role where you will:

• Review and sanction complex commercial lending proposals
• Assess deals that fall outside standard policy or exceed local mandates
• Make independent credit decisions within your own authority
• Prepare detailed credit papers for executive sanctioning committees
• Present and defend recommendations to senior leadership
• Work closely with front‑line relationship and credit teams
• Advise on structuring, risk mitigation, and deal viability
• Act as a trusted credit partner to multiple business lines
• Support other portfolios when required

While your primary focus will be on SME asset finance and leasing, you will also have exposure to wider commercial, property, and structured lending.

What We’re Looking For

This role is suited to a senior commercial credit professional who brings:

• Extensive experience in commercial credit underwriting
• Exposure to multiple lending sectors (e.g. SME, trading businesses, asset finance, property, structured lending)
• Strong financial analysis skills across full company accounts
• Experience operating with a significant personal credit mandate (7‑figure+)
• Confidence operating at senior stakeholder and executive level
• The ability to apply judgement, not just policy

Experience in asset finance or leasing is highly desirable, but not essential if you bring the right commercial breadth.

Package & Working Pattern

• Salary circa £65,000 (flexibility for exceptional candidates)
• Hybrid working (2 days per week in the office)
• Strong benefits package
• Exposure to genuinely interesting and complex deals
• A visible, influential role within the business
• Plus many more