Senior credit specialist Work, Jobs in Smethwick, Wmd (with Salaries)

Credit Portfolio Manager
OSB Group —Wolverhampton
- £60,000 - £70,000 a year
- Full-time
- Analysis skills
- Travel
- Communication skills
- Annual leave
Surety Broker
Exance Services Limited —Birmingham
- £35,000 - £55,000 a year
- Full-time
- Hybrid work
- Construction experience
- Negotiation
- Health & wellbeing programme
- Bereavement leave
Quick apply
13d
Credit Controller (up to 14-month FTC - maternity cover)
Midland Expressway Limited —Lichfield
- £29,000 - £31,000 a year
- Full-time
- Microsoft Excel
- Continuous improvement
- In-person
- Life insurance
- Sick pay
Quick apply
2d
Banking Associate / Senior Associate
Gateley —Birmingham
- Hybrid work
- Banking
- Negotiation
- Annual leave
- Employee assistance programme
Lead Service Designer
Department for Work and Pensions —Birmingham
- £75,026 - £80,267 a year
- Overtime
- Hybrid work
- Presentation skills
- Annual leave
- Employee assistance programme
12d
Client Accountant (Client Finance - Birmingham)
BNP Paribas —Birmingham
- Full-time
- Microsoft Office
- Accounting
- Communication skills
- Annual leave
- Employee discount
Senior Manager - Innovation Reliefs and Incentives - Financial Services
KPMG —Birmingham
- Full-time
- No experience needed
- Project management
- Accounting
Audit Manager - Banking and Lending
RSM UK —Birmingham
- Full-time
- Project management
- Accounting
- Leadership
Event Operations Manager
Lemoncake Events —Lichfield
- From £45,000 a year
- Overtime
- Microsoft Word
- Microsoft Excel
- Microsoft Outlook
- Free parking
- Health & wellbeing programme
Quick apply
1d
Assistant Manager, IRI - Financial Services
KPMG —Birmingham
- Part-time
- No experience needed
- Project management
- Accounting
Statutory Agreements (Planning & Environmental) Manager
Trowers & Hamlins —Birmingham
- Full-time
- Hybrid work
- Team management
- Organisational skills
- Communication skills
Quick apply

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Credit Portfolio Manager

OSB Group -
Wolverhampton

Apply Now

Job details

Full-time
£60,000 - £70,000 a year

Benefits

Annual leave

Qualifications

Analysis skills
Communication skills

Full job description

About the team:

We’re looking for a Credit Portfolio Manager to join our Credit Risk function, focusing on our Non Residential lending lines. Reporting directly to the Group Head of Credit Risk, you’ll be part of a small, specialist team responsible for maintaining strong oversight of credit risk across the Commercial, Development Finance, Bridging and Asset Finance portfolios.

You’ll work closely with colleagues in OSBI to source and shape the data and MI needed for effective portfolio oversight, acting as a key leader in developing credit‑risk capability and strengthening analytical skills across the team. As our specialist lending portfolios continue to grow and transformation progresses, you’ll play a central role in enhancing insight, improving processes and supporting the evolution of our risk framework across these more specialist portfolios and higher value exposures.

You’ll actively collaborate with stakeholders across the business to help keep portfolio performance robust, providing clear reporting, constructive challenge and insight to teams across Credit Risk, Underwriting, Product, Finance and Strategy.

This role is based from our Wolverhampton office and there maybe occasional travel to London and the South of the UK.

What you will be doing?:

As Credit Portfolio Manager you’ll provide high‑quality quantitative and qualitative analysis, insight and challenge to ensure credit performance is well understood, monitored and managed in line with the Group’s risk appetite, lending strategy, policy framework and regulatory expectations. You’ll identify emerging risks, assess portfolio performance, contribute to credit governance, and regularly provide evidence‑based recommendations to senior management and the Group Credit Committee.

Your responsibilities will include:

Monitor portfolio performance across Commercial, Development Finance, Bridging, Asset Finance the Groups larger exposures, analysing key credit risk indicators and identifying emerging risks.
Deliver deep‑dive reviews into specific segments, products or cohorts to understand drivers of deterioration and emerging idiosyncratic and sectoral risks.
Support risk appetite and policy oversight by reviewing limits, informing lending criteria changes and escalating areas of concern.
Produce high‑quality reporting and commentary for senior management, risk committees and governance forums, ensuring clarity, accuracy and focus on material risks.
Engage and challenge stakeholders across Risk, Underwriting, Product, Legal and Modelling to ensure strong risk discipline and informed decision‑making.
Contribute to stress testing, scenario analysis and forecasting, assessing sensitivity to macroeconomic and credit risk drivers.
Support development of risk actions where performance deteriorates or emerging risks are identified.
Maintain strong governance through clear documentation, adherence to risk and data policies, and consistent application of credit risk standards.

What's in it for you?:

Base salary between £60,000 - £70,000 dependent upon experience
Enhanced family-focused benefits
Annual discretionary bonus opportunity
30 days annual leave + bank holidays

Please use this link to see the fantastic benefits available at OSB: OSB Careers

About us:

At OSB Group, we understand how much our people bring to our organisation, which is why we try our best to give back too! Our Purpose is to help our customers, colleagues and communities prosper and we are on a transformation journey to become ‘the bank of the future’.

Our commitment to professional development, flexible working, and employee well-being fosters a dynamic and supportive workplace.

Do you have the skills?:

We are looking for talented individuals who have the experience and knowledge set out below:

Strong commercial credit expertise across real‑estate‑backed lending (Commercial, Semi‑Commercial, Bridging, Development Finance, Asset Finance) and core credit risk drivers such as debt service, LTV, liquidity, arrears and loss performance.
Advanced analytical capability including Excel proficiency, trend identification and the ability to interpret and extrapolate portfolio data into practical recommendations.
Clear and influential communication with strong written and verbal skills, able to engage and challenge stakeholders constructively.
Robust risk and regulatory awareness including understanding of relevant frameworks and UK mortgage regulations (e.g., MCOB).
High attention to detail and sound judgement supporting effective decision‑making and strong credit‑risk discipline.

Next steps:

If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.

Still on the fence? Hear from our team or explore our process: OSB Careers

Shortlisted candidates will go through a personalised recruitment process, that is relevant and conversational – inclusive any individual reasonable support required. We want to bring out the best in you!

Diversity, Equity & Inclusion

Not sure if you meet the spec? Let us decide.

Research tells us that those from marginalised groups feel like they need to meet 100% of the criteria to apply. Here at OSB, we are committed to inclusivity and understand the value different experiences and perspectives can bring, so please don’t feel like you need to check every box to apply for a role internally.

We champion diversity at all levels, with Board-level Diversity Champions tracking our progress. We are proud to be signed up to the Women in Finance Charter to actively support the growth and development of senior women in our sector and are dedicated to treating all our employees and job applicants equally, opposed to discrimination on any grounds.

Apply Now

Refine Your Search

senior credit specialist jobs in smethwick, wmd

Credit Portfolio Manager

Surety Broker

Credit Controller (up to 14-month FTC - maternity cover)

Banking Associate / Senior Associate

Lead Service Designer

Client Accountant (Client Finance - Birmingham)

Senior Manager - Innovation Reliefs and Incentives - Financial Services

Audit Manager - Banking and Lending

Event Operations Manager

Assistant Manager, IRI - Financial Services

Statutory Agreements (Planning & Environmental) Manager

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