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.

About You

We are particularly interested in speaking with individuals who have experience within:

• Commercial credit underwriting
• Wholesale or dealer finance
• Asset or equipment finance
• Inventory / stocking / floorplan finance
• Commercial or corporate lending
• Corporate banking credit
• Credit risk and portfolio management

You will need to demonstrate strong experience of analysing businesses and making commercial credit decisions, rather than predominantly managing collections, aged debt or Accounts Receivable.

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.

About You

We are particularly interested in speaking with individuals who have experience within:

• Commercial credit underwriting
• Wholesale or dealer finance
• Asset or equipment finance
• Inventory / stocking / floorplan finance
• Commercial or corporate lending
• Corporate banking credit
• Credit risk and portfolio management

You will need to demonstrate strong experience of analysing businesses and making commercial credit decisions, rather than predominantly managing collections, aged debt or Accounts Receivable.