Senior Credit Risk Manager, Project and Real Estate Finance

Key Responsibilities

Senior Credit Manager responsible for independent credit decisioning, portfolio risk management, and transaction structuring across complex structured finance deals. The role partners closely with the Chief Credit Officer and Front Office teams to support business growth while ensuring strong risk discipline.

• Perform Second Line of Defence oversight for Credit Risk, providing effective challenge to First Line risk management activities.
• Oversee and support the Group’s Enterprise Risk Management Framework (ERMF) for Credit Risk, ensuring clear ownership, understanding, and accountability across First and Second Lines.
• Conduct robust reviews of ERMF effectiveness for Credit Risk, escalating material issues or gaps to senior management and relevant Board committees.
• Monitor adherence to the Group Risk Appetite Framework for Credit Risk, using risk reporting to identify and elevate breaches or emerging concerns.
• Ensure credit portfolio quality remains within approved risk appetite and underwriting standards, with timely and accurate reporting.
• Promote a strong risk culture and execute Process Universe responsibilities in line with the ERMF.
• Make final credit decisions on wholesale lending within delegated authority, ensuring high‑quality credit analysis and complete, accurate documentation.
• Proactively identify, assess, and elevate emerging risk issues as appropriate.

Qualifications

• Extensive experience as a Credit Officer, in banking/financial services, including recent tenure in a credit approval or credit risk capacity.
• Strong sector expertise across Project Finance, Leveraged Finance, and Real Estate, with additional exposure to Shipping, Aviation, Data Centres, and other structured lending sectors.
• Proven track record of assessing and approving complex credit transactions, particularly within project finance and leveraged finance environments.
• Experience operating within established international financial institutions, with a strong understanding of global credit standards and frameworks.
• Deep understanding of structured finance, risk assessment, and credit underwriting, with the ability to evaluate complex deal structures and mitigate risk effectively.
• Strong collaboration skills, working closely with front office, risk, and senior stakeholders to support sound credit decision‑making.

Benefits

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance , with flexible and voluntary benefits available in some locations.
• Time‑off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, combined to 30 days minimum.
• Flexible working options based around home and office locations, with flexible working patterns.
• Proactive wellbeing support through Unmind, a market‑leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first‑aiders and various self‑help toolkits.
• Continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values‑driven organisation , one that embraces and celebrates our unique diversity across our teams, business functions and geographies – everyone feels respected and can realise their full potential.

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