Senior Credit Manager / Head of Credit

Position: Senior Credit Manager / Head of Credit

Location: London with flexible / remote working

The Business:

An established growing London based Fintech that provides term loans and working capital to SME businesses.

Key job activities:

• Counterparty assessment - analysing counterparties' credit worthiness via credit data, financial statements, and systems to determine the degree of risk involved in extending credit, and to recommend appropriate credit limits and/or credit structures;
• Credit control - regular periodic renewal and continuous monitoring of counterparty status, and anticipation and management of breaches and exceptions;
• Credit portfolio reporting - preparing credit portfolio reports that include the degree of risk involved in extending credit, general risk and ad hoc reporting; and
• Counterparty maintenance - developing and maintaining relationships with counterparties and/or third-party introducers.

Skills:

• Understanding of the key elements of Credit Risk Management with an emphasis on credit assessment in a working capital or commercial banking environment;
• Experience of commercial lending and credit assessment, along with general knowledge of industry sectors and their risks;
• Ability to produce accurate credit papers and reports within tight deadlines;

Competencies:

• Excellent computer skills. Advanced Excel, Word, and PowerPoint, with a strong knowledge of finance and statistical analysis capabilities;
• Strong analytical skills with the ability to communicate effectively at all levels;
• Outstanding writing and visual communication skills, with strong attention to detail;
• Pro-active in achieving results;
• Drive and desire to contribute as part of a successful team within a growing business; and
• Able to build productive working relationships both internally and externally

Experience:

• Minimum five years' experience in a similar credit role within a commercial bank or similar, ideally focused on the SME market.

What's on offer:

• Competitive salary and benefits
• Share scheme
• Casual and flexible workplace environment
• The chance to work for an established, growing fintech