Credit Risk Manager

Trades Workforce Solutions; West Midlands; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A specialist bank in the UK is seeking a Credit Risk Manager to join their experienced team. This senior-level role involves reviewing and sanctioning complex commercial lending proposals and making independent credit decisions. Candidates should have extensive experience in commercial credit underwriting, strong financial analysis skills, and confidence at senior stakeholder levels. The position offers a salary of around £65,000 along with a hybrid working model and a strong benefits package.

Benefits

Strong benefits package

Exposure to interesting and complex deals

Qualifications

• Experience operating with a significant personal credit mandate (7-figure+).
• Experience in asset finance or leasing is desirable but not essential.

Responsibilities

• Review and sanction complex commercial lending proposals.
• Prepare detailed credit papers for executive sanctioning committees.
• Act as a trusted credit partner to multiple business lines.

Skills

Extensive experience in commercial credit underwriting

Strong financial analysis skills across full company accounts

Ability to apply judgement, not just policy

Exposure to multiple lending sectors

Confidence operating at senior stakeholder and executive 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