Credit Manager

Let's grow together

A Platinum Investors in People employer and an award-winning UK bank, focused on growth. Our customers include savers and businesses across the UK and, working together, we use our specialist expertise to help them achieve their ambitions and build a sustainable future. If you're an experienced Credit Manager looking for an opportunity to work part time in a friendly environment, we're looking for you 

We're flexible, inclusive, committed to your wellbeing and passionate about you reaching your potential. Let's grow together …

Purpose of the role

• A part-time role, two days per week, shared with the existing Credit Manager in this role.
• Responsible for 2nd line oversight of Development Finance credit applications for new and/or existing facilities and thereafter either jointly approving within own personal delegated credit authority or supporting to Sanctioning Committee.
• To undertake 2nd line oversight of Development Finance new business line processes, in-life monitoring, systems and lending, by applying a comprehensive risk assessment approach to ensure that the key credit risks are identified and efficiently controlled.

Duties and responsibilities

• Reviewing, assessing and (where appropriate) restructuring Development Finance credit applications to include pricing & risk rating models.
• Provide 2nd line assurance of Development Finance new business applications by ensuring that the proposals being accepted are within the Bank's risk appetite.
• Provide 2nd line assurance of Development Finance in-life monitoring by ensuring that existing lending is performing within the Bank's risk appetite.

About You

Skills

• Experienced in Development Finance credit underwriting.
• Demonstrate an ability to operate a Senior Underwriting mandate through an understanding of risk appetites, capital considerations and corporate lending structures/entities.
• Ideally educated to degree level or equivalent.
• Ability to work self-sufficiently on own initiative and effectively manage completion of own objectives.
• A full and demonstrable understanding of the credit cycle through strong business awareness.
• Attention to detail and excellent investigation/risk management skills.
• Advanced report writing skills.
• Effective communication and people management skills.
• Use of MS Office software for data analysis and review reports.

Working Hours

• Part-time two days per week, in a job-sharing capacity, with some flexibility around timing and hybrid working, to suit the ideal candidate.

Inclusion

As a Disability Confident Employer, we want to ensure that our vacancies are accessible for everyone.  If you have a disability, long term health condition or are neurodiverse and need us to adjust our recruitment process please get in touch with our recruitment team.

About Us

What can we offer you?

• Generous Holiday Allowance: Starting from 25 days and climbing to 30, you also get to enjoy a day off for your birthday, Christmas Eve, and New Year's Eve. You can also buy or sell up to a week's leave
• Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate
• Profit Related Pay: We share some of our annual profit with our eligible employees
• Pension Plan: We contribute up to 10% of your annual salary towards your pension
• Family Friendly policies: We offer enhanced parental pay and paid time off for fertility treatment
• Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more
• Volunteering Day: Contribute to causes you care about with one volunteering day per year
• Life Assurance and Personal Accident Cover

Be flexible

We promote flexibility around how and where we work so that you can achieve a healthier work-life balance. We operate hybrid working, splitting our week between the office and home

Be yourself

As an equal opportunities employer, we welcome diversity and care about inclusion. That's why we want you to be your whole self at work. We believe an inclusive workplace is good for each of us, great for our customers and better for our business. Our Equality, Diversity and Inclusion Network meets regularly to share challenges, experience, and ideas to build a more equal, diverse, and inclusive business.

Be heard

We listen to your point of view, with our People Forum and regular employee surveys making sure you can use your voice and influence our future.

Be well

We will give you access to a range of tools and resources to support your wellbeing. This will include a digital GP service via our free Employee Assistance Programme, access to our Wellbeing team to connect you with the help you need to get more out of life and our Vitality at Work programme to provide you with discounted gym membership, fitness equipment and another multitude of wellbeing services.

Be better

We want you to reach your potential and, as a Platinum Investors in People employer, we'll encourage you to learn and develop by building a personalised development plan together with your manager.

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