Credit, Director - C&I

What You’ll Be Doing

• Key involvement in shaping loan proposals through sighting new lending opportunities with deal teams at an early stage, assessing structure, appetite and key risks from the outset. 
• Work with and professionally challenge our Debt Finance Origination team and Credit Analytics team to achieve high quality Credit papers and deliver high-quality Credit recommendations to Credit Committee(s) including suggestions to improve the deal structure to facilitate positive outcomes for our customers while remaining within the Banks Credit appetite  
• Cut through complexity, distilling transactions into clear, concise insights that support effective decision-making. 
• Communicate Credit Committee outcomes, ensuring clarity on decisions and timely execution of follow-up actions. 
• Review and input on term sheets to ensure the risk profile is appropriately balanced with customer outcomes. 
• Partner with Legal and Loan Execution through closing, ensuring our documentation, security, and conditions reflect approved structures. 
• Join borrower meetings with Origination, offering early guidance on appetite and deal design. 
• Support Portfolio Management across in-life activity — including increases, extensions, restructures, and covenant resets. 
• Review key due-diligence materials (financials, covenant models, financial diligence) and articulate the rationale behind covenant packages. 
• Ensure data integrity, supporting high-quality risk assessment across the portfolio. 
• Contribute to strategic initiatives led by the Head of Credit as we scale our US business. 

What You’ll Bring

• Strong experience in US C&I lower mid-market cash-flow lending, ideally across sectors such as healthcare, hospitality, leisure, financial intermediaries, and manufacturing. Experience in structured/leveraged  finance including M&A activity and private equity is essential. A strong grasp of working capital mechanics is also required.  
• 10+ years in credit risk or a closely related discipline, or the ability to demonstrate clear transferable expertise. 
• Familiarity with credit risk concepts such as RWA, PD, and LGD. 
• A commercial mindset focused on delivering the right outcomes for customers and the bank. 
• A deep understanding of the SME credit lifecycle — from origination to management, collections, and recoveries. 
• Practical experience with risk and control techniques, including covenant setting. 
• Strong stakeholder and negotiation skills — able to challenge constructively and build trusted partnerships. 
• Ability to handle multiple deliverables in a fast-paced, high-volume environment. 
• Ideally (but not essential), knowledge of operational Real Estate lending (hotels, care homes) with experience of residential property development, investment and commercial property being a plus 

Benefits and Perks

• 401k plan with Principal (ON match up to 4%)
• Medical Care (managed through Insperity) - employees can add their family to their plan if needed
• Dental & Vision bundle
• Insperity Health Savings Account Program - this is a tax-advantaged employee benefit which can help manage health care costs by allowing employees to set aside some of their current earnings on a pretax basis for reimbursement of qualified health care expenses during the plan year
• EAP
• 20 days Holiday