Senior Credit Risk & Lending Manager

Itchy Feet; Jersey Marine; Vor Ort; GBP 90.000 - 130.000; Vollzeit

Zusammenfassung

Itchy Feet is seeking an experienced Credit Manager to assess lending applications through robust credit risk assessment, affordability analysis and prudent financial principles. You will support asset book growth while ensuring lending decisions stay within risk appetite and regulatory framework.

Working with business stakeholders and relationship teams, you will provide expert credit guidance, identify growth opportunities and contribute to maintaining a high-quality credit portfolio in a

Qualifikationen

• Degree in Business, Commerce, Finance or related discipline.
• Approximately 10 years' experience in credit risk management within banking or financial services.
• Strong knowledge of Basel requirements and applicable regulatory standards.
• Experience engaging with senior client stakeholders (Managing Directors, Finance Directors, Financial Managers).
• Proven people leadership experience with the ability to develop high-performing teams.

Aufgaben

• Articulate credit appetite and advise on deal structure and required collateral.
• Perform quantitative and qualitative risk analysis for new or expanded facilities.
• Conduct annual risk reviews on the existing portfolio.
• Make timely, sound lending recommendations within risk appetite.
• Assess valuation, cash flows, LTV, DSCR, lease quality, vacancy and marketability.
• Design or challenge security packages and intercreditor terms.
• Ensure covenants and drawdown controls are measurable and monitored.

Kenntnisse

Credit risk management

Stakeholder management

Leadership

Analytical skills

Regulatory knowledge

Ausbildung

Business/Finance degree

Postgraduate qualification (advantageous)

Jobbeschreibung

Itchy Feet is seeking an experienced Credit Manager to assess lending applications through robust credit risk assessment, affordability analysis and prudent financial principles. You will support asset book growth while ensuring lending decisions stay within risk appetite and regulatory framework.

Working with business stakeholders and relationship teams, you will provide expert credit guidance, identify growth opportunities and contribute to maintaining a high-quality credit portfolio in a