SME Lending Portfolio Manager: Data & Risk Insights

LHV Bank Limited; Greater London; Hybrid; GBP 70,000 - 95,000; Full time

Benefits offered by this job

Competitive salary

Open and inclusive culture

Fantastic offices and great working环境

Vitality Health Plan

Life assurance – 4 x salary

Income protection – 75%

28 days holiday + 3 days

Job summary

LHV Bank Limited in the UK is expanding its SME Lending capabilities with a Portfolio Manager role based mainly in the London office, with occasional travel to Manchester. You will support ongoing management, oversight and optimisation of the SME lending portfolio.

Reporting to the Senior Portfolio Manager, you will lead data quality, MI, portfolio monitoring and governance, partnering with Credit, Risk, Operations and second line functions to ensure risk appetite is met through accurate data

Qualifications

• Experience within SME / Commercial Banking, credit risk, portfolio management or lending operations.
• Strong analytical and data capability to validate information and produce high-quality MI and insight.
• Excellent organisation and stakeholder management with ability to manage recurring monthly deliverables.
• Strong influencing skills to gain buy-in at all levels across Lending, Credit, Risk and Operations.
• Proficient in Excel, PowerPoint and Word; Experience with Salesforce and/or nCino; familiarity with credit bureau reporting.
• Awareness of financial crime considerations within SME lending portfolios.
• Experience reviewing credit files and supporting Credit Committee processes.

Responsibilities

• Oversee day-to-day SME lending portfolio, monitor performance, arrears, risk trends, concentrations and emerging issues.
• Coordinate recurring credit stewardship activities, including portfolio reviews, watchlists, covenant monitoring and escalation of material issues.
• Act as a working-level coordinator between Relationship Management, Credit, Risk and Operations on portfolio matters.
• Support proactive management of underperforming or higher-risk exposures in line with Credit Policy and risk appetite.
• Support consistent application of portfolio management and credit stewardship standards across SME Lending.
• Support the Senior Portfolio Manager in managing first line credit and operational risk across the SME portfolio.
• Identify and escalate portfolio-level risks, data issues, themes and control matters.
• Contribute to development and embedding of SME lending risk frameworks, controls, and policies.
• Collaborate with second line Risk and Compliance to support governance and timely issue resolution.

Skills

SME lending / credit risk experience

Data analysis & MI

Stakeholder management

Communication

Credit policy & risk appetite

Credit file reviews

Financial crime awareness

Tools

Salesforce

nCino

Job description

LHV Bank Limited in the UK is expanding its SME Lending capabilities with a Portfolio Manager role based mainly in the London office, with occasional travel to Manchester. You will support ongoing management, oversight and optimisation of the SME lending portfolio.

Reporting to the Senior Portfolio Manager, you will lead data quality, MI, portfolio monitoring and governance, partnering with Credit, Risk, Operations and second line functions to ensure risk appetite is met through accurate data