Director, Cash-Flow Credit Risk

OakNorth; Greater London; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

Equity for all

25 days holiday

Private medical insurance

Enhanced maternity/paternity leave

Wellbeing events

Volunteering time off

Salary sacrifice schemes

Job summary

OakNorth is seeking a Director, Credit Risk – Cash flow lending, to shape credit decisions across its UK lending portfolio. The role combines deep technical credit expertise with commercial judgement and close engagement with transactions and customers.

You’ll work across a diverse range of lending opportunities, influencing deal structures and providing independent challenge to senior stakeholders within a fast‑moving, technology‑driven bank.

Qualifications

• Minimum 10 years’ experience in corporate or commercial credit risk, ideally within a bank, challenger bank or specialist lending institution.
• Strong understanding of UK cash‑flow lending and complex corporate transactions (acquisition finance, leveraged finance, M&A, sponsor‑backed lending).
• Proven ability to prepare and present complex credit recommendations to senior committees.

Responsibilities

• Lead independent assessment and challenge of new lending opportunities across UK Trading Businesses.
• Partner with Debt Finance Origination and Credit Analytics early to identify risks and structure transactions.
• Prepare and present clear, well‑reasoned credit recommendations to Credit Committee.

Skills

Senior credit risk

UK cash-flow lending

Independent credit judgement

Stakeholder management

Credit committee presentation

Job description

OakNorth is seeking a Director, Credit Risk – Cash flow lending, to shape credit decisions across its UK lending portfolio. The role combines deep technical credit expertise with commercial judgement and close engagement with transactions and customers.

You’ll work across a diverse range of lending opportunities, influencing deal structures and providing independent challenge to senior stakeholders within a fast‑moving, technology‑driven bank.