Credit Partner
Join Santander and you'll become a vital part of a business built on the outstanding service provided to our customers, as well as the award-winning products we offer. We're one of the fastest growing banks in the UK and that is down to our people. And we recognise that as we help you develop your career you'll be doing the same for our business.
We are currently recruiting for a Credit Partner who will be responsible for a portfolio of small to mid-sized corporate clients.
As a Credit Partner you will be working with a wide portfolio of our mid sized corporate clients. You will need to understand their loan requirements, structure transactions and become their advocate when presenting their needs to an internal Risk Committee.
You will need to have exceptional communication and client-facing skills as well as an ability to build strategic relationships with key stakeholders.
Santander UK
The Santander Group has more than 150 years' experience in global banking and more branches worldwide than any other international bank. We are well on the way to repeating this success in the UK, having been recognised as one the "Top Employers in the UK" in 2012 by the Corporate Research Foundation (CRF) Institute.
As one of the UK's leading financial services Santander offers a comprehensive range of financial products and a high standard of service to 24 million customers. We are part of one of the world's largest banks - Grupo Santander, which means we're stronger than ever and looking to the future with confidence.
As a Credit Partner your skills and qualifications will ideally include:
- Demonstrable experience in a credit analysis role covering a portfolio of mid-sized corporates.
- Demonstrable exposure to the UK corporate commercial banking sector and a sound understanding of bilateral / club and syndicated type facilities.
- A very good understanding of financial forecasting methodology and credit rating interpretation
- Banking, Treasury or Accountancy professional qualifications and/or educated to degree level or equivalent
- A very good understanding of financial forecasting methodology, credit rating interpretation and loan documentation
- Strong Relationship management skills
As a Credit Partner your main responsibilities will involve:
- In partnership with Relationship Managers, take personal responsibility for a portfolio of regionally based client relationships, undertaking appropriate due diligence, preparing annual renewal and other interim Credit Applications and making approval recommendations to the appropriate approval level.
- Ensuring that all the relevant financial and non financial aspects are considered, resulting in all the respective credit risks being identified and suitably mitigated
- Undertaking effective ongoing portfolio management of this portfolio, including covenant compliance
- Present credit applications to the respective credit approval committee, providing an independent, balanced view of the credit risks and proposing a course of action
- Provide constructive support to the Business; where appropriate seek to identify effective solutions with the objective of structuring transactions to meet the Banks credit policy framework and delivery of financial targets.
Location: Cambridge
Salary Upon Application
Santander welcomes applications from all sections of the community.
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