The successful candidates will manage a sub-portfolio of borrowers / facilities and undertake credit risk assessment of new business transactions to ensure effective and efficient credit risk management of exposures across Specialist Finance (Acquisition Finance; Corporate Finance; Fund Investments Debt).

The role-holder will be accountable for the credit quality of his / her sub-portfolio, ensuring that credit issues and trends are identified and escalated / communicated to risk and business stakeholders.

Core Responsibilities

• At least annually, support the Head of Credit and Senior Credit Managers, Specialist Finance in the production of sector reviews, and work with business units to help ensure that credit risk appetite, strategy, policies and processes for the sector are defined, aligned, implemented and monitored.

• Develop and retain credit risk and industry sector expertise through both internal and external contacts with market participants, including due diligence and customer visits.

• Maintain oversight and credit risk management of the Specialist Finance portfolios, ensuring that credit issues and trends are identified and escalated / communicated to risk and business stakeholders.

• Support business development through the credit risk assessment of new business transactions.  Work with front line teams in structuring such transactions.

• Produce annual credit risk assessments of Specialist Finance borrowers / facilities.

• Produce additional credit risk assessments of Specialist Finance borrowers / facilities where existing facilities are being refinanced or materially varied.

• Maintain an active dialogue with Business Support to ensure that the timeliness and extent of Business Support involvement in managing underperforming borrowers / facilities is appropriate. 

• Support and participate in change management initiatives, embracing and embedding the new principles and processes for credit risk management in Corporate Markets.

• Support and participate in the development of Corporate Markets risk systems, improved MI and other projects to ensure delivery of "best in class" credit risk management.