The Role

You will take ownership of a portfolio of commercial credit relationships across the UK and Poland, providing credit solutions that support customers' working capital requirements while effectively managing financial risk.

Responsibilities will include:

• Developing and maintaining complex commercial credit relationships.
• Structuring, reviewing and approving commercial credit-line requests.
• Undertaking detailed financial and credit analysis to determine appropriate levels of exposure.
• Reviewing financial statements, management accounts, cash flow, forecasts and working capital requirements.
• Assessing profitability, liquidity, leverage, financial resilience and overall creditworthiness.
• Managing and monitoring the quality of an ongoing commercial credit portfolio.
• Completing regular credit reviews and identifying emerging risks or deterioration in financial performance.
• Preparing and presenting credit recommendations for facilities outside delegated authority.
• Building trusted relationships with business owners, Finance Directors and other senior stakeholders.
• Working closely with internal commercial teams to support business growth while maintaining appropriate credit standards.
• Supporting customers through changes in funding requirements, business growth and other significant commercial events.
• Supporting or leading significant process and systems improvement initiatives.
• Ensuring credit decisions are made in line with agreed policies, governance and risk appetite.
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