J3569 - Credit Manager, Middle Ticket - UK, Greater London / Surrey (Hybrid) - Asset Finance

New Leaf Search Ltd.; Richmond; Hybrid; GBP 60,000 - 70,000; Full time

Job summary

A leading financial services recruitment agency is seeking a Credit Manager specializing in mid-ticket asset finance. This role involves assessing credit risk, making lending decisions, and ensuring compliance with regulations. The ideal candidate has 3–5 years' experience in credit analysis or underwriting, excellent analytical skills, and the ability to communicate effectively with senior stakeholders. A competitive salary and bonus structure are offered, along with hybrid working options.

Benefits

Referral Bonus: £500

Competitive salary

Bonus and benefits

Qualifications

• 3–5 years’ credit analysis or underwriting experience within asset finance or commercial lending.
• Sound understanding of asset finance products, structures, and funding facilities.
• Experience underwriting secured and unsecured mid-ticket transactions.

Responsibilities

• Analyse credit data and financial statements to assess risk and make lending decisions.
• Prepare credit recommendations for decision-making.
• Maintain compliance with internal policies and statutory regulations.

Skills

Credit analysis

Underwriting experience

Analytical capability

Commercial judgement

Communication skills

Microsoft Excel proficiency

Microsoft Word proficiency

Job description

J3569 - Credit Manager, Middle Ticket - UK, Greater London / Surrey (Hybrid) - Asset Finance

New Leaf Search has partnered with a leading European financial services group in its search for a Credit Manager, Middle Ticket.

Excellent salary, bonus and benefits. Location: UK, Greater London / Surrey (Hybrid).

The Credit Manager, Middle Ticket will take ownership of expert credit evaluation and underwriting across all business channels, with a primary focus on mid-ticket transactions. This role ensures robust governance, strong credit processes, and timely decision-making across origination, approvals, collateral, and restructuring.

Key Accountabilities:

• Analyse credit data and financial statements to assess risk and make lending decisions on mid-ticket asset finance proposals.

• Interpret internal and external credit, market and broker reports to determine creditworthiness.

• Generate and assess financial ratios and collateral curve analyses to evaluate customer risk and portfolio positioning.

• Prepare clear, concise and commercially balanced credit recommendations for decision-making.

• Exercise delegated sanctioning authority and prepare recommendations for transactions outside personal mandate.

• Maintain compliance with internal policies and statutory regulations including AML, TCF and data protection.

• Conduct periodic reviews of existing transactions, evaluating payment performance, collateral and market intelligence.

• Ensure all transactions meet approved sanctions, credit limits and documentation requirements.

• Provide guidance to front-office teams on risk identification, structuring and presentation.

• Contribute to continuous improvement of credit processes, governance and operational efficiency.

Person Specification:

• 3–5 years’ credit analysis or underwriting experience within asset finance or commercial lending.

• Excellent analytical capability with strong commercial judgement.

• Experience underwriting secured and unsecured mid-ticket transactions.

• Sound understanding of asset finance products, structures and funding facilities.

• Clear and confident communicator, able to present to senior stakeholders.

• Experience assessing structured lending and cash-flow based transactions.

• Strong Microsoft Word and Excel proficiency.

We strongly favour applicants with proven, relevant experience in Financial Services; particularly Asset Finance and Leasing.
You will also require relevant in-country experience, without which, your application will not be considered.

📩 Apply in confidence by sending your CV.
Referral Bonus: £500 if you recommend someone we place!