Credit Manager

Northern Ireland Water Limited; Belfast; Hybrid; GBP 45,000 - GBP 55,000; Full time

Job summary

A reputable banking group is seeking an experienced Credit Manager to join their Belfast office with a hybrid working structure. This full-time position involves conducting credit assessments and underwriting while supporting credit risk management across the portfolio. The ideal candidate will have strong decision-making skills under pressure and experience in corporate banking. This role offers the opportunity to influence credit strategy and be involved in modernizing credit processes through automation.

Benefits

Strong development opportunities

Exposure to senior stakeholders

Collaborative risk culture

Qualifications

• Experience as a Credit Manager or senior credit professional within Corporate or Business Banking.
• Proven ability to influence, challenge, and negotiate with senior stakeholders.
• Experience presenting credit analysis in risk forum settings.

Responsibilities

• Conducting second-line credit assessment and underwriting.
• Exercising Delegated Lending Authority (DLA).
• Assessing credit applications for various risks.

Skills

Influencing senior stakeholders

Decision-making under pressure

Understanding of C&B portfolios

Commercial awareness

Strong customer-outcome focus

Education

Degree in Business, Finance, or related discipline

Relevant professional or postgraduate qualifications

Job description

Credit Manager

An established banking group are now seeking an experienced Credit Manager to join Credit team within Risk Management. This is a key second‑line role, supporting robust credit assessment, underwriting, and the effective co‑management of credit risk across the C&B portfolio in Northern Ireland and the wider UK.

This is a brand new, full‑time permanent position to be based in their Belfast office with a hybrid working structure.

The Role

As Credit Manager, you will play a central role in credit risk assessment, portfolio oversight, and process improvement. Key responsibilities include:

• Conducting second‑line credit assessment and underwriting in line with Group Credit Policy and risk appetite
• Exercising Delegated Lending Authority (DLA) to support ongoing business growth
• Assessing credit applications for financial, structural, ESG, geopolitical, security and energy risks
• Supporting customers in financial difficulty, where required
• Enhancing the sourcing, quality, and use of portfolio, sectoral, and credit data
• Supporting the development of stress testing frameworks across sectors and portfolio segments
• Driving process improvement, automation, and the adoption of new risk‑based analysis techniques
• Collaborating closely with 1st line banking teams, data analytics, automation, and Group credit stakeholders
• Identifying portfolio issues, risk trends, and improvement opportunities
• Supporting training and capability development across Credit and 1st line teams
• Deputising for senior leadership and presenting cases in internal and Group Credit forums as required

The Person

The successful Credit Manager will demonstrate:

• Experience as a Credit Manager or senior credit professional within Corporate or Business Banking
• Strong understanding of C&B portfolios, products, and sectoral risk
• Proven ability to influence, challenge, and negotiate with senior stakeholders
• Experience presenting credit analysis and recommendations in credit committee or risk forum settings
• Strong decision‑making capability under pressure, using complex data and tight deadlines
• Commercial awareness combined with a strong customer‑outcome focus
• Broad knowledge of core lending facilities and ancillary products
• Experience working with customers across Northern Ireland and the wider UK, across a range of sectors

Desirable

• Exposure to data analytics, automation, robotics or AI decisioning within credit processes
• Experience supporting sustainability‑led or transition‑focused lending
• Knowledge of stress testing and scenario analysis

Criteria

• Demonstrable experience in a related credit, banking or finance role
• Degree in Business, Finance, or a related discipline (or equivalent experience)
• Relevant professional or postgraduate qualifications (e.g. Accountancy, Institute of Bankers) advantageous

The Rewards

• Opportunity to influence credit strategy and portfolio quality
• Exposure to senior stakeholders and Group‑level decision forums
• Involvement in modernising credit processes through data and automation
• Supportive, collaborative risk culture with strong development opportunities

To speak in absolute confidence about this Credit Manager opportunity please send an up‑to‑date CV via the link provided or contact Josh Craig at MCS Group 02896 935531

Even if this position is not right for you, we may have others that are. Please visit MCS Group to view a wide selection of our current jobs www.mcsgroup.jobs

MCS Group is committed to Equality, Diversity, and Inclusion for all, being the first recruitment agency in NI to achieve Bronze Diversity Mark accreditation. If you have a disability which means you require a reasonable adjustment to be considered at any stage of the recruitment process, please contact us and we will endeavour to facilitate the request.