Senior Credit Manager (Specialty Finance)

Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

The role is part of the Credit Risk Function which sits in the 2nd Line of Defence and is tasked with supporting the Chief Credit Officer “CCO” with credit risk decision making activities, the ongoing development, embedding and monitoring of the Bank’s Credit Risk Management Framework and to ensure Credit Risk activities remain effective and relevant to the Bank’s strategic objectives and the prevailing external economic environment. The role holder will be a Chair of Credit Approvals Committee “CAC”, whilst also exercising a personal delegated lending authority. The role holder will act as the primary point of reference and technical expert primarily for Commercial Investment Real Estate, Specialty Finance and Asset Based Lending activities undertaken by the Commercial Banking Franchise. This will also involve being directly responsible for ensuring the adequacy and relevance of ongoing resourcing, recruitment and management of sector specific focused Credit Risk sanctioning teams. In addition to performing credit risk sanctioning decision making for specific transactions, the role holder will be responsible for the oversight of the ongoing credit risk performance of the said specific asset class portfolios, whilst being influential in the ongoing evolution and development of the quality of credit risk analysis and presentation undertaken by both 1st Line and 2nd Line, providing support and guidance where appropriate. Furthermore, the role holder will be integral to the continued development and evolution of credit risk processes and systems.

Key Responsibilities

Senior Leadership

• Responsible for leading and managing a highly performing team, working collaboratively with the Deputy CCO and the other Credit Risk Team Head to coordinate the effective deployment of resource across the entire Credit Risk Function to ensure workloads are managed appropriately.
• When required, take ownership and responsibility for the preparation and presentation of analysis and findings relating to specific matters to various internal and external stakeholders.
• Identify, evaluate and formulate strategy and relevant action plans to drive process efficiencies, harnessing automation where possible across the Credit Risk Function.
• Provide constructive and informed challenge to 1st Line proposed growth plans and any proposed change to sector risk appetite and policy.

People and Culture

• Create a supportive and collaborative working environment, inspiring and motivating others.
• Encourage and drive your own personal development, whilst providing support, guidance and encouragement to colleagues with a view to optimise their own ability and career aspirations where appropriate.
• Responsible for your direct Team delivering a consistently highly effective performance, whilst ensuring this is not detriment to people’s wellbeing.
• Responsible for identifying and managing in an effective and supportive manner any individual under performance situation

Credit Sanctioning

• Responsibility for the credit risk sanctioning decisions for a variety of transactions, often large (