In-Life Lending Manager: SME Credit & Process Lead

Jobtailor; Manchester; On-site; GBP 60,000 - 90,000; Full time

Job summary

Jobtailor in the United Kingdom seeks an experienced Credit Risk Specialist to manage in-life lending changes for SME facilities. You will own borrower requests, assess credit deterioration via Early Warning Indicators, and work with underwriting and relationship teams to support informed credit decisions.

You'll ensure robust documentation, drive continuous process improvements, and develop MI reporting for oversight and planning, while collaborating across cross-functional teams and

Qualifications

• Strong understanding of SME/commercial lending and in-life credit risk monitoring.
• Ability to interpret Early Warning Indicators and identify emerging credit deterioration.
• Customer-focused mindset balanced with risk discipline.
• Strong judgement and prioritisation in fast-moving environments.
• Robust controls and good documentation standards.
• Proven ability to build and embed processes, MI, and ways of working.
• Ability to drive continuous improvement across cross-functional stakeholders.
• Confident and professional communication with internal stakeholders and customers.
• Applicants must currently reside in the UK.
• Sponsorship requirements may apply; candidates must in most cases already reside in the UK.

Responsibilities

• Manage in-life changes to lending facilities.
• Own complex borrower requests, including restructures, security changes, and loan modifications.
• Engage directly with customers to understand and assess requests.
• Work with underwriting and relationship teams on credit decisions.
• Ensure consistent processes and high-quality documentation.
• Review and triage Early Warning Indicator alerts.
• Identify emerging risks and take appropriate action.
• Deliver customer outcomes aligned to Consumer Duty and TCF.
• Collaborate across relationship, underwriting, and collections teams.
• Engage with broker-introduced customers in line with agreements.
• Build and embed scalable in-life lending processes.
• Develop meaningful MI and reporting for oversight and planning.
• Identify trends and drive improvements across credit and workflow.
• Contribute to continuous improvement as the team evolves.

Skills

SME Lending

Credit Risk Monitoring

Early Warning Indicators

Process Improvement

Stakeholder Communication

Customer Engagement

Documentation Standards

Cross-Functional Collaboration

Prioritization

Imperfect Data Handling

Tools

MI Reporting

Job description

Jobtailor in the United Kingdom seeks an experienced Credit Risk Specialist to manage in-life lending changes for SME facilities. You will own borrower requests, assess credit deterioration via Early Warning Indicators, and work with underwriting and relationship teams to support informed credit decisions.

You'll ensure robust documentation, drive continuous process improvements, and develop MI reporting for oversight and planning, while collaborating across cross-functional teams and