Credit Manager, Permanent Job, Isle of Man

Put your credit leadership and commercial judgement at the heart of high quality lending decisions.

The Role

Lead robust credit decision making while balancing portfolio growth with effective risk management.

• Assess lending applications through detailed quantitative and qualitative financial analysis


• Provide guidance on credit appetite, deal structures, legal documentation and collateral requirements


• Critically assess valuations, sustainable cash flows, loan to value, debt service and interest cover metrics


• Design or challenge security packages, guarantees, collateral arrangements, intercreditor terms and enforcement priorities


• Ensure covenants, information undertakings, conditions precedent and drawdown controls are measurable and effectively monitored

About You

Combine deep credit expertise with confident leadership, pragmatic decision making and strong stakeholder management.

• Degree in Business, Commerce, Finance or a related discipline


• Extensive Previous experience in credit risk management within banking or financial services


• Strong knowledge of corporate credit risk, lending products, derivative products, credit documentation and regulatory requirements


• Proven people leadership experience with the ability to develop high performing teams and engage senior stakeholders


• Knowledge of UK real estate, property finance or structured lending would be advantageous, with a postgraduate qualification also beneficial

The Reward

• Career enhancing opportunities within an international financial services environment


• The opportunity to work alongside talented and motivated financial services professionals


• A senior credit role with influence across lending decisions, portfolio quality and business growth


• Exposure to a diverse client base including businesses, high net worth families and multinational corporates and institutions