Job title: Credit Risk Manager
Job type: Permanent
Emp type: Full-time
Salary type: Annual
Salary: GBP £65,000.00
Location: Solihull
Job published: 01/21/2026
Job ID: 40835

Job Description

Credit Risk Manager - Commercial & Asset Finance

West Midlands

 

We are working with a well-established UK specialist bank that supports businesses through tailored lending solutions across commercial, property, and asset-backed finance.

They are looking to appoint a Credit Risk Manager into a small, highly experienced central credit team. This is a pivotal role that sits at the heart of the bank’s decision-making, reviewing and approving their most complex and highest-value transactions.

The Role

This is a senior-level credit role where you will:

  • Review and sanction complex commercial lending proposals

  • Assess deals that fall outside standard policy or exceed local mandates

  • Make independent credit decisions within your own authority

  • Prepare detailed credit papers for executive sanctioning committees

  • Present and defend recommendations to senior leadership

  • Work closely with front-line relationship and credit teams

  • Advise on structuring, risk mitigation, and deal viability

  • Act as a trusted credit partner to multiple business lines

  • Support other portfolios when required

While your primary focus will be on SME asset finance and leasing, you will also have exposure to wider commercial, property, and structured lending.

 

What We’re Looking For

This role is suited to a senior commercial credit professional who brings:

  • Extensive experience in commercial credit underwriting

  • Exposure to multiple lending sectors (e.g. SME, trading businesses, asset finance, property, structured lending)

  • Strong financial analysis skills across full company accounts

  • Experience operating with a significant personal credit mandate (7-figure+)

  • Confidence operating at senior stakeholder and executive level

  • The ability to apply judgement, not just policy

Experience in asset finance or leasing is highly desirable, but not essential if you bring the right commercial breadth.

 

Package & Working Pattern

  • Salary circa £65,000 (flexibility for exceptional candidates)

  • Hybrid working (2 days per week in the office)

  • Strong benefits package

  • Exposure to genuinely interesting and complex deals

  • A visible, influential role within the business