Commercial Credit Risk Manager

• Design and maintain underwriting policies, decisioning frameworks, and credit risk appetite for sole trader, SME, and fleet/multi-vehicle segments, including commercial line of credit limit-setting and utilisation management.
• Assess creditworthiness of commercial counterparties (business financials, cash flow, guarantors, external data); oversee complex credit proposals and Credit Committee participation.
• Monitor portfolio performance and KRIs/KPIs by commercial segment; identify emerging risks (sector concentration, fleet residual value/utilisation, small business defaults) and adjust strategy accordingly.
• Design loss mitigation, collections, and recovery approaches suited to commercial relationships.
• Deliver forecasting/scenario analysis and portfolio insights to senior management and governance committees.
• Oversee credit risk on Ford dealer wholesale/floorplan financing, including dealer credit line setting, renewal, and ongoing exposure monitoring.
• Monitor dealer financial health (stocking levels, inventory turn, curtailment triggers, out-of-trust risk) and elevate early warning indicators through established governance channels.
• Maintain oversight of dealer concentration risk and floorplan portfolio quality, incorporating dealer-level risk into broader commercial portfolio reporting and risk appetite metrics.
• Maintain second line assurance and oversight of first-line commercial lending activity, including policy exceptions and controls.
• Implement fraud detection/prevention frameworks for commercial applications (e.g. business identity verification).
• Ensure commercial and dealer wholesale exposures are correctly classified per EBA/PRA rules (default, forbearance, NPE), and lead the team's capability development in this area, working with Finance to align with IFRS 9 staging and regulatory reporting.
• Partner with marketing and sales, operations, data, and technology teams to scale digital and automated underwriting for commercial customers.
• Collaborate with Group Risk, Compliance, and control functions; contribute to ICAAP, stress testing, and capital planning for the commercial book.
• Lead, coach, and develop the commercial credit risk team; build a strong risk culture and support the Bank's commercial growth strategy through data- and analytics-led decisioning.

Requirements

• First line commercial credit risk experience across sole traders, SMEs, and multi-vehicle/fleet customers.
• Track record developing underwriting guidelines and credit proposal assessments, including commercial lines of credit.
• Strong financial/credit analysis skills (business financials, cash flow, guarantor assessment, external research).
• Strong working knowledge of EBA and PRA credit risk classification requirements, including definition of default, forbearance, and non-performing exposure rules.
• Analytical, data-driven mindset; excellent communication skills with senior leaders, Board members, and stakeholders.
• SME/sole trader credit scoring or alternative data experience.
• Fleet/automotive financing and vehicle asset risk knowledge.

Core Competencies

Demonstrates expertise in commercial credit risk management, including underwriting policy design, creditworthiness assessment, and compliance with EBA/PRA regulations. Proven ability to lead teams, deliver insights through data analysis, and implement fraud detection frameworks.

Highest-signal resume keywords

• Commercial Credit Risk Management
• Underwriting Policy Development
• Financial Analysis Skills
• EBA/PRA Compliance Knowledge
• Fleet/Automotive Financing Expertise

ATS Optimization Keywords Hard Skills

• Credit Risk Assessment
• Underwriting Guidelines Development
• Credit Proposal Assessment
• Data Analysis
• Loss Mitigation Strategies
• Portfolio Performance Monitoring
• Fraud Detection Frameworks
• Scenario Analysis
• Credit Scoring
• Regulatory Reporting

Soft Skills

• Excellent Communication Skills
• Analytical Mindset
• Team Leadership
• Stakeholder Engagement
• Risk Culture Development

Industry Keywords

• SME Financing
• Sole Trader Credit
• Multi-Vehicle Financing
• Credit Committee Participation
• KRI/KPI Monitoring
• Dealer Credit Line Management
• Non-Performing Exposure
• Forbearance Definition
• Capital Planning
• Governance Channels