Commercial Credit Manager
Commercial Credit Manager
Birmingham
£46,000 to £50,000 plus bonuses and benefits
My client is leading financial services organisation that is looking for an experienced Commercial Credit Manager to join their birmingham team.
Your role will be to:
Exercise skill and judgement in underwriting commercial applications within the existing Risk Appetite and prepare recommendation papers accordingly for approval.
Prepare contract documentation for approved cases.
Liaise with the Sales Team, Valuers and Solicitors to ensure timely drawdown and completion of such cases.
Ensure ongoing viability of the Commercial book through an effective Annual Review process.
Maintain and prepare departmental MI.
Provide support to the Head of Credit Risk and cover in his absence.
Assist with Residential finance applications when required.
To regularly review the credit policy and prepare papers and recommendations for the Head of Credit Risk of proposed changes or improvements to the policy. Once any changes have been agreed, ensure that they are effectively communicated and implemented across all impacted business areas
To ensure adherence with all governance and regulatory requirements whilst keeping abreast of market developments
Essential Experience
An experienced professional with 5+ years’ experience of working within Commercial Credit Risk departments, including a full understanding of the full credit life cycle
The ability to interrogate financial statements and fully understand a business’ ability to pay, with particular attention to cash flows and CFADS
Extensive experience of commercial and retail underwriting
Able to communicate effectively with staff at all levels, including Board level, both orally and in writing
Full understanding of all regulatory requirements including, but not limited to, the Data Protection Act and CIFAS
Ability to work under own initiative and proactively initiate process improvement
Ability to identify key issues and prioritise work effectively
Personal impact and credibility with excellent communication skills
Please call Sukhi Kaur at Hays for more information on 0121 230 1490
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