Senior Credit Manager

K3206 - New Leaf Search has partnered with a leading provider of Leasing and Commercial Finance/Asset Based Lending solutions in their search for aSenior Credit Managerto take responsibility for the credit and general risk assessment and management of the existing client portfolio. You will assess, write and submit periodic credit reviews to the Credit Risk Management function for approval, but also involves covenant and general performance monitoring and close management of concern cases.

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

KEY RESPONSIBILITIES:

• Take ownership for the performance of periodic credit and risk assessments of a portfolio of clients.

• Write and submit reviews to asses client and guarantor performance and risks, work closely with the Relationship Director (RD) and Credit Risk Management team to ensure suitable risk management of the portfolio.

• Understand and ensure portfolio is managed and monitored in compliance with all group policies and processes.

• Work with RD’s in proposing extensions, modifications and renewals.

• Work directly with clients and RD’s to obtain all necessary financial statements and transaction information in order to create and analyse funding requests.

• Prepare financial spreads and risk rating score cards.

• Conduct company, industry and market analysis to further assess obligor and guarantor credit quality.

• Monitor credit status and quality of customer exposure on a regularly scheduled basis, including assessment of current risk rating.

• Monitor covenant testing for the UK portfolio.

• Test obligor and guarantor operating performance against original underwriting and projections upon receipt of required reporting information (monthly, quarterly, semi-annually, annually), running sensitivity analyses when appropriate.

• Support and assist UK team as workload dictates.

PERSON SPECIFICATION:

• Degree level education is preferable.

• AAT, ACCA, CFA, ACT or other banking qualifications are desirable but not a requirement.

• At least 3 years direct credit analysis or credit underwriting experience, specifically of lending facilities into mid to large corporate entities (ideally in the UK).

• Knowledge of lending / asset finance / structured finance / corporate banking market, products and activities.

• Experience in general risk management and working to complex processes and procedures.

• Ability to understand and interpret financial statements, management information (including cashflow analysis and forecasting), assessing sensitivity analyses, and monitoring covenant compliance.

• Advanced understanding of financial ratios and business principles with a strong analytical skillset and an ability to question assumptions and make considered, well balanced recommendations for approval to the Credit Risk function.

• Highly motivated and ambitious, with high energy levels and ability to prioritise, manage own workloads, and multi-task effectively.

• Willingness to learn and self-develop.

• Solution driven, pro-active and with a can-do mentality.

• Good general risk management knowledge.

• Ability to develop and manage positive relationships with key stakeholders across a wide spectrum of roles (internal and external).

We strongly favour applicants with proven, relevant experience in Financial Services; particularly in Asset Finance and Leasing.

Applicants will only be considered with relevant in-country experience.