Credit Risk Manager

2 days ago

London Area, United Kingdom Paritas Recruitment Full time £60,000 - £120,000 per year

Credit Risk Manager - Permanent - London

Hybrid Working

Competitive Market Salary on offer

The Credit Risk Manager will provide independent, second-line oversight of credit risk across core business lines which could include Financial Institutions, Trade Finance, and Corporate & Real Estate exposures. The role is responsible for the underwriting, analysis, monitoring, and ongoing management of credit proposals in line with risk appetite, regulatory standards, and internal credit frameworks. The position forms a key part of governance, ensuring rigorous credit assessment, early risk identification, and strong challenge to the first line while supporting commercially sound decision-making.

Key Responsibilities at glance

  • Assess and underwrite FI, corporate, real estate and trade finance credit proposals.
  • Analyse financials, creditworthiness, sectors, countries and counterparties (incl. Africa & Middle East).
  • Review trade finance instruments (LCs, guarantees, receivables, forfaiting, pre-export).
  • Evaluate collateral, covenants and risk mitigants.
  • Monitor portfolios for deterioration, limit usage, exceptions and early warning signs.
  • Support stress-testing, scenario analysis, IFRS9 and provisioning.
  • Maintain accurate credit files aligned with policy and regulatory expectations.
  • Apply credit policies, risk appetite, and delegated authorities.
  • Identify and escalate emerging risks, breaches, and control gaps.
  • Support internal/external audits, PRA reviews, ICAAP/ILAAP work.
  • Contribute to credit policy and process improvements.
  • Provide robust challenge to front-office proposals (incl. AML/sanctions checks).
  • Present analysis at Credit Committees and senior forums.
  • Offer guidance and support to junior analysts and first-line teams.

Skills, Experience & Qualifications

  • Experience in a credit risk role within a bank or regulated financial institution.
  • Strong expertise in Financial Institution credit, emerging markets, trade finance products, and/or corporate lending.
  • Ability to interpret financial statements, cashflows, modelling outputs and perform independent risk assessments.
  • Strong understanding of credit policies, limit frameworks, risk appetite, collateral and legal documentation.
  • Excellent written credit-analysis and decision-making skills with ability to summarise complex cases concisely.
  • Experience navigating PRA regulatory requirements, Basel standards, large exposure rules and governance processes.
  • Degree in Finance, Economics, Accounting, Maths, or related discipline.

Desirable

  • Knowledge of structured trade finance, pre-export, supply chain finance or commodity-linked transactions.
  • Understanding of IFRS9 provisioning, internal rating systems, PD/LGD modelling inputs.
  • Professional qualifications: CFA, FRM, ICA, or equivalent.

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