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

The Credit Manager is responsible for making informed and responsible lending decisions that balance commercial opportunity with prudent risk management. The role ensures all credit applications are assessed with diligence, consistency, and in line with the company’s underwriting policy, asset class frameworks, and regulatory requirements.

The role supports the quality and performance of the lending portfolio by:

• Delivering consistent, risk-aligned credit decisions
• Conducting thorough assessments of customer, financial, and asset information
• Ensuring compliance with internal policies and regulatory standards
• Promoting strong customer outcomes

Key Responsibilities

Underwriting & Credit Assessment

• Assess and underwrite loan applications in line with the credit policy framework
• Analyse customer creditworthiness, financial statements, and asset valuations
• Make sound lending decisions aligned with risk appetite and portfolio objectives
• Structure appropriate lending solutions, including for complex cases

Risk & Compliance

• Ensure all decisions comply with underwriting policies, regulatory requirements, and documentation standards
• Maintain accurate, complete, and audit-ready records
• Identify and escalate risks in a timely and appropriate manner

Stakeholder Engagement

• Communicate clearly with internal teams, providing well-reasoned credit decisions
• Collaborate with Sales, Client Services, and Introducers to support a seamless customer experience
• Prepare and present credit reports, portfolio analysis, and initiatives to management and committees

Performance & Conduct

• Demonstrate sound judgement, professionalism, and accountability
• Contribute to maintaining a balanced and high-performing lending portfolio
• Complete all mandatory training, including AML and regulatory requirements

Regulatory Responsibilities (SMCR – Conduct Rules)

This role is subject to the Individual Conduct Rules:

• Act with integrity
• Act with due care, skill, and diligence
• Be open and cooperative with the FCA, PRA, and other regulators
• Treat customers fairly and act in their best interests
• Observe proper standards of market conduct
• Deliver good outcomes for retail customers

Required

• Minimum 3 years’ experience in credit underwriting within motor finance or asset finance
• Strong ability to interpret financial statements and management accounts
• Advanced numeracy and analytical skills, including Excel
• Excellent communication and interpersonal skills
• High level of organisation and attention to detail
• Ability to work under pressure and meet tight deadlines

Preferred

• Bachelor’s degree (BA/BSc) or higher
• Experience working with high-net-worth (HNW) individuals
• Project management experience with delivery against defined outcomes

Leadership & Commercial Capability

• Strong underwriting capability, ideally within motor finance
• Experience handling both regulated and unregulated lending
• Ability to communicate effectively at all levels
• Self-motivated, with the ability to work independently and as part of a team
• Focus on delivering customer-centric solutions within risk appetite

Core Competencies

Interpersonal Skills

• Clear and effective written and verbal communication
• Confident and professional manner
• Ability to explain technical concepts to non-technical audiences
• Discreet, confidential, and trustworthy
• Positive, patient, and customer-focused approach

Planning & Organisation

• Strong time management and prioritisation skills
• Ability to manage multiple tasks and deadlines effectively
• Structured and process-driven approach to work
• Experience working across multiple projects and stakeholders

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