Credit Operations Manager

Head Office

Whilst offering traditional banking values, with an emphasis on exceptional customer relationships, we provide fast and agile business banking services, employing the latest online and banking technology.

The purpose of this role is to lead a team of Credit Operations staff to deliver completion of lending facilities within the Bank’s policy, risk appetite and legal requirements. 

Other key accountabilities will be:

  • Contribute to, and drive the delivery of, the Bank’s annual lending budget.

  • Identification of policy or protocol exceptions, with suitable recommendations of any remedial actions required.

  • Ensure that all post-sanction administration procedures are timely and compliant with Bank’s policies and procedures, including the maintenance of appropriate MI.

  • Oversee and manage loan arrears through the recovery process for non-performing loans, in line with bank procedures.

  • Maintain good working relationships with all legal and valuer panel partners, to ensure smooth and timely exchange of correspondence and communication. Monitor and encourage delivery of valuations and loan completions within the Bank’s preferred timescales.

  • Plan and manage the workload of the Credit Operations team, recommending increases in headcount were appropriate.  Motivate and develop your direct reports and encourage the Bank’s positive culture and ethos throughout the team.

  • Contribute and work with the Director of Operations on strategic initiatives developed to improve the Bank’s performance, or controls, as requested.

The successful candidate will have significant experience in a commercial property/lending setting, with experience of post-sanctioning administration; strong knowledge of driving delivery of lending volumes and best practice approaches to loan facility documents and security. The candidate will also need to be able to manage relationships at key levels and be a team player with a collaborative style, to work across all areas of the business. The candidate is likely to have gained this experience in a Commercial Bank or new Challenger Bank.

This is a fantastic opportunity for a highly-motivated self-starter who can lead, manage and develop the Credit Operations team to deliver high-quality end to end customer service.

To find our more or to apply for this role, please email your CV and covering note to our HR team. 


Our People

Jonathan Rowland

Non-Executive Director & Co-Founder

Jonathan has 25 years’ experience as an Investor and Director of Public and Private Companies globally.

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David Buckley

Non-Executive Director, Chairman

David holds a number of non-executive and advisory board positions and is currently Independent Non-Executive Director and Chair of the Audit Committee for CIBC World Markets plc.

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Gary Wilkinson

Chief Executive Officer & Co-Founder

Gary has 30 years’ experience within financial services, in both the banking and building society sectors.

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Nigel Boothroyd

Non-Executive Director, Chair of Risk Committee

Nigel possesses significant executive-level experience within financial services, having spent some 38 years at HSBC Group.

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Brian Mulholland

Chief Financial Officer

Brian has nearly 20 years’ experience in senior finance and treasury roles, and was most recently the Finance Director of both Coutts and Adam & Company.

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Graham Reynolds

Chief Development Officer

Graham has over 25 years’ experience in banking, working across a number of different fields.

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Darren Clarke

Director of Operations

Darren has over 25 years experience in Financial Services having worked in senior positions for HSBC, Santander, Lloyds and RBS.

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Eleanor Kenny

General Counsel & Company Secretary

Eleanor is a corporate lawyer with extensive corporate and commercial experience.

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Chris Platt

Director of Credit & Underwriting

Chris has over 35 years’ experience in Banking. He has worked across a number of areas and businesses at both RBS and NatWest.

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Chris Finnigan

Senior Business Development Manager (Head of North Region)

Chris has 29 years’ experience in the Banking industry, mainly with the Royal Bank of Scotland Group in the North West of England.

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