Job Title: Senior Manager Business Credit
The primary objective of this role is to provide senior leadership and guidance in the analysis, assessment, and structuring of commercial loan proposals. This includes exercising delegated approval authority or presenting submissions to the appropriate decision-making body.
The ideal candidate will possess a deep understanding of credit risk management and be able to consider multiple factors when evaluating proposals. Key responsibilities include:
* Ensuring loan documentation accurately reflects all approval conditions.
* Conducting regular reviews to monitor and ensure the risk rating is appropriate.
* Initiating and implementing remedial actions to maintain the bank's exposure within its risk appetite.
* Providing coaching and mentoring to colleagues to promote best-practice risk culture.
This role also involves fostering open communication between Sales and Business Credit teams, promoting a