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DATE ADDED: Thu 26/03/2020

Senior Credit Manager

Manchester, UK
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COMPANY: RBS

JOB TYPE: Permanent, FullTime

SALARY: Competitive



Join us as a Senior Credit Manager

  • This is an opportunity for an experienced lender to take on an exciting career challenge
  • You'll be able to build a wide network of stakeholders of varying seniority, as you act as an ambassador for the function and raise credit skills and awareness in the business
  • Hone your existing credit skills and advance your career in this fast-paced role


What you'll do

You'll structure credit solutions to meet customers' needs within the bank's risk appetite, while providing assurance of consistent and disciplined credit underwriting, in line with risk appetite, with key risks identified.

As you develop into your role, you'll also be driving, coaching and mentoring colleagues and less experienced credit managers.

It'll also be your responsibility to:

  • Undertake quality risk assessments across a range of lending requests from customers, making balanced underwriting decisions
  • Proactively identify appropriate lending capacity within the bank's risk appetite, taking account of counterparty and sector trends
  • Clearly articulate lending decisions that include only relevant terms and conditions
  • Make sure the needs and impact upon the customer are considered through all aspects of the risk assessment process allowing fair outcomes for our customers
  • Work collaboratively to make sure the team deliver responses within agreed deadlines
  • Participate in transaction meetings with front office and, where appropriate, attend client due diligence meetings
  • Identify problem cases, taking action to mitigate risk and liaise with restructuring if relevant


The skills you'll need

You'll need to hold a formal banking qualification or have equivalent professional experience with the commitment to obtain a qualification within 12 months and maintain subsequent continuous professional development once in the role. You'll also need to be an experienced lender with sound analytical and technical credit skills, strong commercial awareness and the ability to shape complex deals to create fair customer outcomes and protect the bank's position.

You'll also need:

  • Sound knowledge of the mid-corporate and commercial segment, sectors, and lending products, and knowledge of asset classes and markets of operation for the products offered to NatWest Markets corporate clients
  • A strong understanding of credit policy, economic, legal, regulatory and where applicable specialist sector issues, along with underwriting processes and systems
  • Experience at exercising individual delegated credit authority transactions
  • A background in setting risk appetite on a single counterparty basis
  • The ability to work well as part of a team with strong interpersonal and communication skills
  • Excellent organisational skills with the ability to prioritise and deliver to agreed service standards
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