188 Credit Manager jobs in the United Kingdom

Morgan McKinley is looking for an experienced Credit Manager to work for a great business based in the Tadworth, Surrey area. This is a permanent Credit Manager role which will be working on a hybrid basis. The Credit Manager will manage the team and also support with the financial analysis, credit reviews, providing credit recommendations and underwriting services.

Salary: Basic up to 60k + bonus, excellent benefits and car allowance

Location: Hybrid working - Tadworth, Surrey

Credit Manager duties:

• Monitor and provide detailed financial analysis and recommendations
• Manage the administration for new proposals / credit line increases including acquisitions / takeovers etc.
• Management of the administration of critical risk situations rejected payments, cash trading and receivership
• Team management - carry out regular reviews with the Credit and Funding team
• Oversee the management of the administration of credit schemes, Credit Lines and interest rate controls
• Handle any tasks associated with SOX compliance, audit etc

Skills and experience:

• Proven experience working in a similar credit management role
• Experience of working with underwriting teams
• Attention to detail and good analytical experience

Our client, a European Bank is looking to hire a Credit Manager to join their Credit team.

Job Purpose:

Credit Manager will be a key interface in the creation and delivery of credit products and solutions and will also interact with Second line Risk Management – Credit on a regular basis, quickly ensuring a broad knowledge of risk management policies and the Bank’s lending practices. Credit Specialist will work closely with Branch and Relationship Managers to assess clients’ credit requirements, to manufacture credit solutions that meet those requirements.

Candidates should have UK experience in residential BTL, commercial BTL, Business lending, secured overdraft, complex lending and understanding of regulation and have seen regulated mortgage underwriting as well.

Responsibilities & Accountabilities:

Work closely with Branch/Relationship managers, Risk Management and other key Bank partners in identifying, structuring, analysing, negotiating, documenting, delivering and monitoring credit solutions in addition to the retention of facilities in the existing credit book.

Continuous focus on on-going process improvement to improve efficiencies and the Bank’s ability to compete and win vs our competitors.Implementation of streamlining, automation or otherwise improve existing processes and practices. Particular focus on speed and quality of decision making in credit underwriting process.

Ensure effective collaboration between teams including Branch/Relationship managers and Risk Management.

Management of risk, pricing of transactions and profitability of credit book within geographical target parameters.

Identify and implement opportunities for improved business operations, partnerships and client satisfaction. Ensure continued alignment of the credit portfolio with and risk strategies and the Bank’s risk policies and procedures. Frequently involved in working with other teams within the business to help grow the credit book.

Strong “outside the box” thinker who can work with clients and Branch/Relationship Managers to structure optimum credit solutions within the Bank’s risk appetite and lending parameters. Work with other members of the credit team to help structure transactions and ensure that credit facilities are underwritten to a high standard.

Responsible for all internal credit correspondence originated by their team, including transactions, the ongoing risk analysis of the borrower and the transaction, customer rating assessment and recommendation. Work with internal partners to implement controls and meet monitoring conditions.

Assist with the development of policy and credit products to meet the needs of clients and the business.

Ensure appropriate training and development is undertaken in a timely manner and participate in training for Credit staff.

Demonstrate a good credit underwriting knowledge.

Equal Opportunities:

To be able to demonstrate a commitment to the principles of the Bank’s Equal Opportunities and to be able to carry out duties in accordance with this policy.

Key Competencies:

Consumer Duty

All staff must be aware of and understand the FCA’s requirements regarding Consumer Duty (CD) incorporated in the Bank’s Policy and help the Bank to act in good faith towards customers, avoid causing them foreseeable harm, and enable and support them to pursue their financial objectives.

Fraud Prevention

All management and staff must be alert to the possibility of fraud, ensuring that no action is undertaken on behalf of the Bank or a customer without a clear understanding of the purpose and background to the transaction.

Attention to Detail

Ensures that information is correctly processed, and that work complies with relevant internal/external rules, procedures and regulatory requirements.

Teamwork

Works co-operatively with others; openly exchanging information where appropriate and supporting colleagues to achieve business goals.

Planning and Control

Achieves departmental goals by establishing priorities and managing time efficiently.

Leading others

Builds successful and motivated teams who consistently excel in the achievement of business goals. Commits time and effort to coach others in new processes or techniques, providing honest and constructive feedback.

Making good decisions

Selects the best course of action based on the available information and accepts personal responsibility for the outcome.

Bringing innovation to problem solving

Continuously improves the business by generating new and practical ways of doing things in order to solve problems and gain competitive advantage.

Adapting to change and uncertainty

Improves personal effectiveness in response to changes at work by identifying new learning and self- development opportunities that arise from the change and working towards them.

Training and Competence

Keep up to date with relevant developments in corporate governance, the Banks’ policies, models and Anti-Money Laundering and Counter Terrorism Financing matters by taking annual tests as required.

Complete all mandatory training and internal certification of the Bank.

Self-Motivation

Carry out every task set to the best of your ability, looking for ways to improve performance and standards, setting personal goals at or beyond business expectations.

Making change work

Help the business to introduce changes to structures, processes, products, and services effectively and efficiently by focusing effort and commitment on making the change work.

Experience/Skills/Knowledge:

1. CEMAP or equivalent is preferred.
2. Minimum of 2 - 5 years credit experience.
3. Sound knowledge of general banking, relevant regulatory requirements, the Banking Act and Code of Practice.
4. Sound credit judgement.
5. A responsible, enthusiastic, self-motivated and flexible approach to work
6. A demonstrable ability to work carefully and accurately at all times.
7. Knowledge and understanding of relevant risk, compliance and audit standards.

Performance Measures:

• Deep understanding of credit underwriting requirements
• Timely submission of internal & external reports.
• Timely completion of own and departmental work
• Adherence to procedures and regulations
• Contribution to the Bank’s objectives
• Contribution to continuous improvement

Our client is a leading UK logistics group, delivering tailored supply chain solutions through its nationwide network of companies. As they continue to grow, they are seeking an experienced Interim Credit Manager to support our Finance team in driving robust credit control processes, improving cashflow, and supporting key business objectives during a critical period of transition.

Key Responsibilit.

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Are you ready to step up and play a key role in shaping commercial lending decisions within a fast-paced, high-performing team? Assetz Capital is looking for a driven and detail-oriented Credit Manager to join our Institutional Credit Team at our Manchester head office.

This is more than a job, it’s an opportunity to make your mark in the property finance sector, supporting major funding deals, influencing lending strategy, and helping develop best-in-class credit practices. Ideal for someone with a strong background in commercial or property development lending who’s now ready for increased responsibility and visibility and working to support the SME housebuilding sector.

What you'll be doing:

• Leading the assessment and sanctioning of commercial loan proposals alongside the frontline Relationship Directors.
• Acting as a key decision-maker in Deal Forums and liaising directly with institutional funders.
• Monitoring complex transactions through to drawdown and beyond, ensuring risk and compliance controls are met.
• Shaping lending decisions that align with our business strategy and funder appetite.
• Supporting less experienced colleagues and acting as a mentor for new team members.
• Continuously improving credit policy, process, and commercial thinking across the business.

About you:

• Proven experience in commercial lending, with a focus on real estate and / or development finance.
• A sound understanding of loan structures, securities, and FCA regulatory requirements.
• Strong communication and decision-making skills with the ability to manage multiple deals simultaneously.
• High attention to detail, with excellent organisational and analytical capabilities.
• Interest or ambition to progress within a forward-thinking and dynamic credit team.

What we offer:

• Salary: £50,000 - £100,000 depending on experience, skills, and seniority.
• Hybrid working (3 days in Manchester office, 2 from home)
• 26 days holiday, rising to 28 + bank holidays + birthday leave
• Private medical insurance, medical cash plan, life cover 4x salary
• Home office loan, Cycle to work scheme, free onsite parking & gym
• Regular company updates and social events

Corporate Credit Manager

Epsom, Surrey | Permanent | Competitive Salary + Excellent Benefits

We're partnering with a well-established financial services organisation, that's looking to bring onboard an experienced Corporate Credit Manager.

This position will see you leading two key teams, Corporate Credit Underwriting and Wholesale Administration, with the responsibility of six direct reports.

Your role will play a central part in supporting lending decisions and managing dealer funding arrangements, acting as the link between finance, risk and business growth. You'll work with both corporate customers and the dealer network, handling deals that range from mid-value to multi-million pound funding requests.

Key Responsibilities:

• Lead, coach and develop the underwriting and wholesale administration teams.
• Provide detailed financial analysis and recommendations on corporate lending proposals.
• Manage wholesale funding arrangements for dealer partners, including credit lines, schemes and facility reviews.
• Oversee risk situations such as late payments, cash trading or dealership closures.
• Work with senior management, credit committees and external partners to ensure sound lending decisions.
• Ensure compliance with internal policies, audits and regulatory requirements.

About You:

• Strong background in credit underwriting, corporate finance or risk management.
• Comfortable reviewing and interpreting complex financial statements.
• Proven experience leading and developing teams.
• Confident communicator, able to build relationships at all levels.
• Advanced Excel skills (pivot tables, lookups); exposure to Power BI or similar tools is a plus!

What's on Offer:

• The chance to work with a well-respected organisation within the automotive sector.
• Exposure to significant lending volumes and complex transactions.
• Leadership responsibility with scope to shape processes and influence strategy.
• Competitive package, hybrid working and long-term career development opportunities.

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• Lead and develop a team of six in underwriting and wholesale funding administration.
• Provide detailed financial analysis, recommendations, and underwriting decisions for lending requests up to £250m .
• Work closely with dealer networks, fleet customers, and senior stakeholders to deliver innovative funding solutions.
• Oversee wholesale stocking facilities, credit lines, acquisitions, and critical risk situations.
• Manage legal and compliance matters relating to securities, mortgages, and acquisitions.
• Deputise for the Senior Manager and drive performance against service standards.
• Champion continuous improvement, innovation, and best practice sharing across the business.

• Strong experience in financial analysis, corporate underwriting, and interpreting corporate accounts .
• Excellent Excel skills (v-lookups, pivot tables, macros) and familiarity with Power BI/PowerPoint.
• A sharp analytical mind, problem-solving ability, and confidence working with large financial datasets.
• Exceptional communication skills, with the ability to influence and build trust across all levels.
• A collaborative, proactive mindset with a passion for continuous improvement.

• Hands-on experience with high-value funding requests across multiple brands and networks.
• Opportunities to develop transferable skills in risk analysis, stakeholder management, and financial decision-making.
• Regular coaching, one-to-one development sessions, and clear performance objectives.
• The chance to progress through underwriting authority levels and grow your career in a supportive environment.

• Lead and develop a team of six in underwriting and wholesale funding administration.
• Provide detailed financial analysis, recommendations, and underwriting decisions for lending requests up to £250m .
• Work closely with dealer networks, fleet customers, and senior stakeholders to deliver innovative funding solutions.
• Oversee wholesale stocking facilities, credit lines, acquisitions, and critical risk situations.
• Manage legal and compliance matters relating to securities, mortgages, and acquisitions.
• Deputise for the Senior Manager and drive performance against service standards.
• Champion continuous improvement, innovation, and best practice sharing across the business.

• Strong experience in financial analysis, corporate underwriting, and interpreting corporate accounts .
• Excellent Excel skills (v-lookups, pivot tables, macros) and familiarity with Power BI/PowerPoint.
• A sharp analytical mind, problem-solving ability, and confidence working with large financial datasets.
• Exceptional communication skills, with the ability to influence and build trust across all levels.
• A collaborative, proactive mindset with a passion for continuous improvement.

• Hands-on experience with high-value funding requests across multiple brands and networks.
• Opportunities to develop transferable skills in risk analysis, stakeholder management, and financial decision-making.
• Regular coaching, one-to-one development sessions, and clear performance objectives.
• The chance to progress through underwriting authority levels and grow your career in a supportive environment.

Corporate Credit Manager

Epsom, Surrey | Permanent | Competitive Salary + Excellent Benefits

We're partnering with a well-established financial services organisation, that's looking to bring onboard an experienced Corporate Credit Manager.

This position will see you leading two key teams, Corporate Credit Underwriting and Wholesale Administration, with the responsibility of six direct reports.

Your .

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This opportunity comes with a competitive basic salary plus a car allowance, annual bonus and an excellent benefits package.

The role in a nutshell: Management of the corporate credit underwriting and wholesale administration teams. Providing detailed financial analysis, recommendations and underwriting services in relation to lending for our corporate customers and dealer partners for TFSUK, Mazda, Kinto and One Toyota Fleet Team.

A bit about the ‘Department’: The Corporate Credit team compete analysis, recommendation and underwriting for lending of funding requests ranging from £125k to £50m for submission to our UK Underwriters and European Credit Committee. Whilst the Wholesale administration team manage the day-to-day funding requirements for our Dealer Partners.

What you’ll be doing:

• Carry out regular reviews with the Corporate Credit and Wholesale Funding team identifying performance shortfalls and implementing remedial actions.
• Exercise an appropriate Centre, Fleet Customer and Kinto underwriting authority in line with the UK POD.
• Work with senior management teams from the Dealer Network to develop relationships and funding solutions.
• To deputise for the Senior Manager Corporate Credit & Operational Services as required and act responsibly in all matters.
• Oversee performance against published service standards in terms of response times and other commitments, monitoring Department SLA’s and job lists.
• Oversee the management of the administration of wholesale stocking facilities; Schemes, Plans and Credit Lines and interest rate controls.
• Manage the administration for new Dealer proposals / credit line increases including acquisitions / take overs etc.
• Management of the administration of critical risk situations, rejected payments, cash trading, receivership, liquidation or bankruptcy and the closure of Dealerships, assisting with repossession and accounting for assets.
• Manage all legal matters relating to debentures, securities, mortgages, acquisitions, and sales with the centre and fleet network.
• Operate within the UK product approval matrix, requesting new products where required.
• Ensure all loading of vehicles, system amendments and monitoring of over-line situations are handled appropriately and in-line with the company’s Hoshin and/or in support of MNSC.
• Management as appropriate of tasks associated with SOX compliance, audit.

What you’ll get to own:

• Recommendations for lending, security and LTV’s across TFS, Kinto and One Toyota Fleet team reviews.
• You will see improvements through to the end with ongoing follow-up and confirmation that the business has actioned agreed plans.
• Distribution of meeting minutes and recommendations from Network/ Fleet and Mazda Risk Committee meetings.
• Building and owning relationships with staff members from other teams that you can use to effectively perform your work.

Requirements

Key Experience & Skills:

• Previous experience of interpreting corporate accounts, performing financial analysis and underwriting of corporate customers.
• Ability to analyse data and identify trends.
• Good understanding of Microsoft Office products, specifically Excel (v-lookups, x-lookups, pivot tables, macros).
• Basic PowerPoint and Power BI skills.

Attributes & Behaviours:

• Excellent verbal and written communication skills.
• Keen problem solver.
• Numerate with an aptitude of working with figures/data.
• Capable of building strong working relationships and liaising with all levels of staff/management and external customers.

Benefits

At Toyota Financial Services (TFS) it is more than just an externally bench-marked salary and bonus, we also offer:

• Hybrid working pattern is 2 days in the office and 3 days from a location of your choice.
• Access to attractive car schemes for you (& your family) for Toyota & Lexus cars
• Excellent pension scheme (up to 6% employee contribution and 15% employer contribution).
• Generous annual leave of 25 days which increases with service and holiday purchase option
• Private Medical Healthcare (single, partner/spouse and dependent children) with Digital GP Service
• Group Income Protection cover with Aviva including physical, mental, and financial wellbeing services
• Employee Assistance Program
• Eye tests
• Onsite gym, Sports and Social Club, & flu jabs to keep you healthy
• Wellbeing hour each month and many more initiatives throughout the year to encourage a healthy mind and body, and to raise awareness and celebrate diversity, equity and inclusion.
• Dress for your day policy to make you feel comfortable at work
• Eco HQ, free parking & restaurant
• Two volunteering days per year
• Reward gateway voucher discounts
• Flexible working scheme and we welcome flexible working conversations at interview
• Regular 121s with your manager, a personal development review (PReview) each quarter
• A wide range of learning & development opportunities including Linked In Learning courses
• £250 contr ution towards you learning something new outside of work
• Annual events (e.g., summer party, BBQ & Xmas party) including Countdown to Christmas events every December - it is so much fun!

Our Recruitment Process

At Toyota Financial Services (TFS) we value everyone and are pleased to be recognised as a Disability Confident Employer.

We are committed to supporting disabled applicants throughout the recruitment process. Should you meet the minimum criteria for this role and wish to apply under the DC scheme, you may be moved forward to the next stage. Please ensure to add this information into your application.

When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs.

Some examples of how we might be able to help are listed below:

• Providing a copy of interview questions before the interview
• Organising a time and location that best suits you
• Allowing additional time for the assessment and interview

We are happy to review any adjustment on a case-by-case basis to support you to be your best self.