Credit Manager, Asset Finance | £60k-£75k + Profit Share | London, W. Midlands or Southampton

Job Description

Credit Risk Manager | Asset Finance Specialist

Step away from the “single-lane” credit roles and join a Platinum Investors in People award-winning UK bank. We are looking for a high-caliber Credit Risk Manager who possesses genuine mandate authority and the commercial acumen to navigate complex multi-asset deals.

In this role, you aren’t just an underwriter—you are a dual-threat professional providing both expert execution and critical Second Line (2nd Line) oversight. Whether you are sanctioning a £2m equipment finance deal or chairing a Credit Risk Review committee, your judgment will be the cornerstone of our lending strategy. If you want a role where your voice is heard and your autonomy is respected, this is your next career move.

Why This Role is Different

• True Mandate Authority: You will hold and operate a significant personal mandate (ideally £1m+), giving you the power to make impactful decisions.

• Multi-Asset Breadth: Your day-to-day will span SME asset finance, leasing, Buy-to-Let (BTL), motor finance, and property development.

• The Hybrid Edge: You will balance hands-on underwriting with Quality Assurance (QA) and strategic risk oversight, acting as a constructive challenger to the business.

• Culture Over Corporate: We operate without the “cog-in-the-machine” mentality. We value balance sheet expertise and corporate structure knowledge over rigid, repetitive processing.

Key Responsibilities

• Underwriting Excellence: Execute complex credit assessments for SME asset finance and leasing, ensuring all deals align with risk appetite and capital considerations.

• Risk Oversight: Lead 2nd line QA initiatives, providing feedback and coaching to the first line to maintain a healthy, high-quality loan book.

• Strategic Leadership: Chair Credit Risk Committees and influence senior stakeholders on lending initiatives and risk policy.

• Complex Structuring: Navigate intricate corporate structures and lending entities, utilizing deep financial statement analysis to identify underlying risks and opportunities.

What You Bring

• The Experience: A proven background in commercial underwriting with a focus on SME assets and leasing.

• The Mandate: Previous experience holding and operating personal credit mandate authority.

• The Intellect: Strong understanding of balance sheets, capital requirements, and complex corporate entities.

• The Presence: The ability to operate autonomously, challenge the status quo constructively, and communicate effectively at a senior level.

Job Overview Data