Senior Credit Officer - Mid Markets
$85,493–$100,580 year
HybridEdinburgh, Scotland, United Kingdom or Manchester, England, United Kingdom
Job Summary
Apply credit risk appetite to support sustainable growth by analyzing, rating, structuring, and sanctioning Mid Markets relationships with revenues of £50m–£500m. Exercise delegated credit authority with confidence to shape outcomes on important customer and portfolio decisions while championing the growth of Mid Markets credit colleagues. Provide early, solutions-oriented advice on business opportunities and take ownership of portfolio growth, proactively strengthening portfolio management and presenting clear risk insight to senior stakeholders. Drive continuous improvement in the end-to-end credit process, simplifying operations and empowering teams to adopt new ways of working with confidence.
Required Qualifications
- A strong background in credit risk, financial analysis and cash flow-based lending
- Ideally gained over a minimum of 10 years
- Experience holding and exercising a material credit authority delegation
- Well-developed communication and influencing skills
- The confidence to challenge constructively and explain decisions clearly
- The ability to balance competing priorities, maintain pace and deliver high-quality outcomes under time pressure
- A curious and adaptable mindset
- Resilience to learn quickly and respond effectively to new challenges
- Sound judgement
- Strong decision-making
- Attention to detail
- A collaborative approach to solving complex credit issues
- Minimum two days per week (or 40% of your time) at one of the above office locations
- Hybrid Working
Desired Qualifications
- Ideally, experience in cash flow-based lending
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