Let us tell you a bit about the opportunity
Reporting to the Head of Credit - CRE Risk, you will assess and approve new lending applications, customer reviews, and in-life lending requests, ensuring decisions align with the Bank’s risk appetite, lending policy, and delegated authority framework.
As a trusted advisor to the lending teams, you will provide commercial and risk-based challenge on complex transactions, support strong customer outcomes, and help identify and mitigate conduct and operational risks. You will also play a key role in mentoring colleagues and contributing to a high-performing Credit team.
To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business.
What will your day look like?
Reporting to the Head of Credit – CRE, you'll play a key role in delivering high-quality credit decisions and supporting the ongoing success of our Property & Business Finance division. Your responsibilities will include:
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Assessing and sanctioning new lending proposals, primarily within Commercial Real Estate (CRE), and supporting Portfolio (Private Rental Sector) lending where required.
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Reviewing and approving annual customer reviews and ad hoc in-life lending requests.
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Providing expert guidance and constructive challenge on complex lending transactions.
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Coaching, mentoring, and developing colleagues across the Credit team and wider Property & Business Finance division.
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Undertaking quality assurance reviews to ensure consistency and excellence in credit decision-making.
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Contributing to the development and enhancement of lending policies, standards, procedures, and best practices.
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Supporting the evolution of effective credit risk controls and loss management strategies.
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Representing Credit at key governance forums, including the Large Transaction Credit Committee and business line Credit Forums.
What do we expect from you?
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Proven experience operating under an individual lending mandate, with a strong track record of credit decision-making.
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Demonstrable success in driving continuous improvement within a credit risk environment, resulting in enhanced application quality, stronger lending decisions, improved acceptance rates, and reduced arrears.
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Experience contributing to and developing high-performing teams through collaboration, coaching, and knowledge sharing.
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Strong technical expertise in Commercial Real Estate lending, with a deep understanding of the full credit lifecycle and risk management process.
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Knowledge of trading businesses is advantageous, particularly within the Care Home and Hotel sectors.
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Experience of syndicated or club lending transactions would be beneficial.
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A proactive, self-motivated professional who combines independent thinking with a collaborative team-focused approach.
What can you expect from us?
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A hybrid working policy, 2 days per week onsite at our Manchester office
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A friendly and flexible culture, the same as how we work with our customers.
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A growing organisation that means there’s lots of opportunities to progress
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A drive for continuous improvement, which you will be empowered to get behind from day one.
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And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.
Let us tell you a bit about us
We’re Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.
We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.
Still curious?
Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.
Please note that we have a thorough referencing process, which includes criminal record checks.
We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed.
We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around.
