In-Life Lending & Credit Risk Manager

Allica; Manchester; Hybrid; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Onboarding support

Flexible working

Social activities

Pension contributions

Bonus scheme

Private health cover

Life assurance

Parental leave

Job summary

Allica Bank is seeking an In-life Lending Manager to join our Credit Monitoring Team. You will manage lending facilities post origination, monitor risk, and maintain strong customer relationships while upholding consumer duty and fair outcomes.

In this high-impact role you will own complex borrower requests, collaborate with underwriting and relationship teams, and drive continuous improvements to our credit processes as the loan book scales.

Qualifications

• SME/commercial lending and in-life credit risk monitoring experience.
• Ability to interpret EWIs and identify credit deterioration.
• Customer-focused with risk discipline.
• Strong judgement and prioritisation in a fast-moving environment.
• Proven ability to embed processes, MI, and cross-functional working.
• Confident communicator with internal stakeholders and customers.
• Comfort with imperfect data and evolving processes.

Responsibilities

• Own complex borrower requests (e.g. restructures, security changes, loan modifications).
• Engage directly with customers to assess requests.
• Work closely with underwriting and relationship teams on credit decisions.
• Ensure consistent processes and high-quality documentation.
• Review EWI alerts and identify emerging risks.
• Manage pre-watchlist accounts and remediation strategies.
• Deliver outcomes aligned to Consumer Duty and TCF.
• Develop MI and reporting for oversight and planning.
• Drive process improvements across credit and workflow.
• Embed scalable in-life lending processes.

Skills

SME lending

Credit risk monitoring

Early warning indicators

Customer relationship management

Process improvement

Risk documentation

Communication skills

Job description

Allica Bank is seeking an In-life Lending Manager to join our Credit Monitoring Team. You will manage lending facilities post origination, monitor risk, and maintain strong customer relationships while upholding consumer duty and fair outcomes.

In this high-impact role you will own complex borrower requests, collaborate with underwriting and relationship teams, and drive continuous improvements to our credit processes as the loan book scales.