Credit Manager

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

• To support the business in achieving its goals through the delivery of effective, responsible underwriting.
• To support the Head of Underwriting and senior managers across the business in managing risk metrics and implementing changes to policy and procedures, keeping the customer at the heart of everything we do.

Key Responsibilities

• Underwrite loan applications in line with the credit policy framework, delivering timely, consistent and responsible lending decisions.
• Assess customer creditworthiness and vehicle valuations, balancing affordability and risk against portfolio metrics and risk appetite.
• Underwrite both regulated and unregulated motor finance requests, ensuring decisions are fair, compliant and customer-focused.
• Structure lending solutions for more complex borrowing requirements.
• Prepare ad hoc credit reports for the Head of Underwriting, the Chief Credit Officer and wider stakeholders.
• Present portfolio analytics and initiatives at Committee level.
• Support the Head of Underwriting and senior managers in managing risk metrics and implementing changes to policy and procedures.
• Work closely with Sales, Client Services and Introducers to optimise the client experience.
• Complete all mandatory online training, including Anti-Money Laundering (AML) and regulatory requirements.

Essential

• Proven credit and underwriting experience in a motor finance or asset finance environment.
• Proven ability to underwrite both regulated and unregulated motor finance applications within risk appetite.
• Ability to interpret financial statements and management accounts.
• Strong numeracy, reporting and Excel skills.
• Highly organised, with exceptional attention to detail and the ability to deliver to tight deadlines under pressure.

Desirable

• Experience of working with high net worth (HNW) individuals.
• Project management experience, with a track record of delivering to clear and defined outcomes.

Interpersonal and commercial skills

• Communicates clearly and confidently at all levels, in writing, by telephone and face to face, and explains technical subjects to non-technical audiences.
• Self-starter, equally effective working independently and as part of a team.
• Delivers customer-focused solutions within risk appetite.
• Discreet, with a professional approach to confidential information.

Planning and time management

• Prioritises and manages time effectively, using structured processes to plan and complete tasks.
• Works effectively across multiple projects with different team members, under the direction of project leaders.

Education/Professional Qualifications

Shawbrook is committed to providing opportunities to all candidates, and understand that not all candidates may possess a qualification or education aligned to the role. We will assess each candidate on their individual experience and skills, and not solely on level of education. A degree (BA/BSc or higher) is desirable but not essential.

Key attributes

As a member of the Credit Team, the role holder supports the decision-making and operation of the wider business and acts as a role model, leading the Company’s Values and contributing positively to its culture through:

• Integrity – We always do what is right and take accountability for our actions.
• Empathy – We listen to different perspectives and celebrate the spirit of the individual.
• Commitment – We are fiercely passionate about offering our clients unrivalled service, every time.
• Collaboration – We move forward together with purpose, determination and clear communication.
• Entrepreneurship – We are empowered to develop opportunities and achieve our professional ambitions.

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done