MARKET TALENT

We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making

We are partnering with a well-established and growth-oriented, relationship focused international bank to appoint a high-calibre Senior Relationship into a strategically important Midlands location. This is a pivotal hire, offering the opportunity to take full ownership of a profitable SME / Commercial banking portfolio, while playing a key role in driving the next phase of regional growth.This position goes beyond traditional relationship management. It is a high-impact, front-office leadership role combining business development, credit ownership and team leadership, where you will be responsible for originating and structuring transactions, deepening client relationships and delivering against ambitious balance sheet and revenue targets. You will inherit a well-established client base, with immediate scope to enhance portfolio performance, while also building out new-to-bank relationships across the local market. With direct exposure to senior stakeholders and credit committees, the role offers significant visibility and the ability to influence both commercial strategy and lending decisions. For an experienced commercial banker seeking a role with genuine autonomy, clear revenue accountability and the opportunity to shape a growing franchise, this represents a compelling next step. This is a senior, revenue-generating leadership role within the Banking function, accountable for end-to-end ownership of a commercial SME portfolio, including origination, credit structuring, portfolio risk management and performance delivery. The role holder will combine front-office relationship management with strong credit capability, driving sustainable growth across assets, liabilities and trade finance, while maintaining robust oversight of portfolio quality, regulatory compliance and operational governance. This position carries full accountability for portfolio income, balance sheet growth and client retention, alongside leadership of the specilaist team and contribution to broader regional strategy. Core Responsibilities 1. Portfolio Ownership & Revenue Delivery Manage and grow a diverse portfolio of SME and corporate clients, typically comprising 40-70 borrowing and non-borrowing relationships Deliver against defined revenue targets, with portfolios typically generating £750k - £1.5m+ annual income Drive wallet share expansion across lending, deposits, trade finance and treasury products Actively optimise portfolio utilisation, pricing and return on capital 2. Business Development & Origination Originate new-to-bank relationships through structured business development activity, targeting 10+ new relationships annually Build and execute a robust pipeline strategy across key sectors (e.g. trading businesses, property, healthcare, retail, import/export) Leverage networks, introducers and local market presence to drive sustainable portfolio growth Cross-sell across lending, liabilities, FX and trade products 3. Credit Structuring & Risk Ownership Lead the end-to-end credit lifecycle from origination through to approval and monitoring Conduct detailed financial analysis (balance sheet, P&L, cashflow) including ratio analysis and stress testing Structure facilities including: Working capital facilities Property-backed lending Buy-to-Let (residential & commercial) Asset finance and project/bridging finance Prepare and present comprehensive credit papers (10-20+ pages) for internal credit committees Recommend appropriate security structures, covenants and risk mitigants 4. Credit Committee & Governance Present transactions to Credit Committee and senior stakeholders, demonstrating clear risk/reward articulation Maintain accountability for credit quality, early warning indicators and portfolio health Manage renewals, amendments and ongoing monitoring in line with internal policy 5. Client Relationship Management Act as a trusted advisor to SME and corporate clients, delivering tailored banking solutions Maintain high levels of client engagement through regular meetings and proactive portfolio reviews Oversee complex client needs, including multi-product relationships and structured facilities Drive high standards of customer outcomes (TCF) and service delivery 6. Leadership & Team Management Lead, mentor and develop a team of Relationship Managers and support staff Drive a high-performance culture aligned to revenue, risk and service KPIs Provide coaching on credit structuring, business development and client management Support the Area Head in delivering bank strategy, budgeting and performance reporting 7. Regulatory & Compliance Oversight Ensure full adherence to FCA / PRA requirements, SMCR and internal governance frameworks Oversee CDD / EDD processes, including complex and PEP relationships Maintain strong oversight of AML, KYC and operational risk controls Ensure all activity aligns with internal policies and regulatory expectations Key Deliverables / Success Metrics Portfolio growth across assets, liabilities and income New client acquisition and pipeline conversion Credit quality and low impairment levels Delivery against P&L and balance sheet targets Team performance and staff development outcomes Experience Required Proven track record managing SME / Commercial Banking portfolios (£5m-£200m+) Strong credit underwriting capability with experience presenting to credit committees Demonstrable experience structuring complex lending transactions (property, working capital, trade) Established network and ability to originate new business consistently Experience managing or mentoring teams within a bank or regional banking environment Strong understanding of UK regulatory environment (FCA, PRA, AML, TCF) Leadership & Competencies Commercially driven with clear P&L ownership mindset Strong influencing capability across credit, risk and senior stakeholders Ability to balance growth vs risk discipline High levels of client credibility and relationship depth Structured, analytical approach to decision-making

An ambitious boutique wealth management and employee benefits advisory is seeking an experienced Financial Planner to join its growing team. The firm manages £125m+ in assets under advice and has built a reputation for delivering holistic financial planning solutions to individuals, families and business owners. With continued client growth and an expanding referral network from corporate clients, the business is now looking to appoint a planner who can provide high-quality advice while developing long-term client relationships. This is an excellent opportunity for a client-focused adviser who values independence, professional integrity and a long-term approach to financial planning. Key Responsibilities Provide holistic financial planning advice covering investments, pensions, protection and retirement planning Build and maintain long-term relationships with private clients and business owners Deliver personalised financial plans aligned with client objectives and life goals Conduct client meetings, reviews and ongoing relationship management Identify opportunities to support employees from corporate benefit schemes with personal financial planning Work closely with paraplanners and administrators to ensure accurate and compliant advice delivery Prepare and present recommendations in line with FCA regulatory standards Support the continued growth of the firm through referrals, networking and professional relationships Maintain high standards of compliance, client service and documentation Experience & Skills Experience working as a Financial Adviser / Financial Planner within a regulated UK advisory / wealth firm. Strong understanding of pensions, investments and financial planning strategies Ability to build trusted client relationships and provide clear, client-focused advice Excellent communication and presentation skills Comfortable working in a boutique advisory environment with high service standards Qualifications Ideally Level 4 Diploma in Financial Planning (DipPFS or equivalent) required Working toward or holding Chartered Financial Planner status is advantageous Package Competitive base salary plus performance-related bonus Private medical insurance Pension scheme Generous holiday allowance Support toward further professional qualifications Opportunity to work within a growing boutique advisory business with a strong client base

A highly regarded boutique financial planning and employee benefits advisory firm is seeking an Financial Planner Support / Senior Administrator to support its lead financial planner and expanding corporate client portfolio. Established in recent years and experiencing strong organic growth, the firm now advises on £125m+ of client assets and continues to build long-term partnerships with businesses and their employees across the UK. The organisation prides itself on delivering thoughtful, client-centric advice and maintaining exceptional service standards. Core duties and responsibilities - Provide quality administration and analytical support to planners and clients - Process letters of authority, liaising with providers to gather plan information and summarising policy details once received - Prepare for client meetings and process action points post-meeting - Process new business in line with company procedures and compliance requirements - Implement client recommendations, process fund switches and update valuation details - Diary management for advisers, organising client meetings, greeting clients - Manage the ongoing client review process and prepare investment overview presentations - Proofread client reports to understand the client's circumstances and the rationale of advice given, as well as checking for grammatical and brand errors - Generating the supporting documentation for client reports - Support financial planners with preparation for quarterly investment management meetings - Dealing with general client queries and administration required by the team - Managing cash balances and cash movements - Build relationships with external product providers and suppliers - Assisting with the creation of social media content and drafting blog posts for the company website to enhance client engagement and brand visibility Key competencies required - Excellent attention to detail and organisational skills - Confident and competent communication skills - verbal and written - Excellent record keeping - Ability to multi-task - Demonstration of initiative - Good working knowledge of financial planning systems and processes - High integrity and ability to maintain confidence - Strong focus on delivering high quality client service - Ability to work under pressure as part of a team - Strong software skills with good knowledge of MS Word, Excel and Outlook - Ability to build effective insenior ternal and external relationships Experience/Qualifications - Proven experience in a financial service administrative role - Knowledge of client relationship management software within financial services i.e. Intelligent Office or similar Compensation Package on Offer £40k to £55k basic plus full benefits offering and bonus. Hybrid Working 4 days onsite at the central London (Piccadilly) office expected, and 1 day from home

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.

Our client is a growing UK financial services organisation specialising in property-backed lending solutions with a current risk portfolio of £250mln. Operating within a highly regulated environment, the firm combines disciplined risk management with a strong governance culture and customer-focused approach. Its lending activities span a range of secured finance products including home purchase plans, buy-to-let lending and bridging finance. The business is now around 60 perm staff strong and continues to grow with another £100mln capital injection planned to expand into commercial lending sectors. As the organisation continues to expand its lending portfolio, the Risk function is being further strengthened with the appointment of this newly created role for a Credit Risk professional who will support portfolio monitoring, governance processes and the development of robust credit risk frameworks. This represents an excellent opportunity for an analytically minded risk professional to join a collaborative lending environment where sound judgement and strong governance sit at the heart of decision-making. Role Overview You will play an important role in assessing, monitoring and managing credit risk across the organisation's lending portfolio. The successful candidate will contribute to the development and maintenance of risk frameworks, portfolio analysis and governance processes, ensuring that lending activity remains aligned with internal policies, regulatory expectations and prudent risk management principles. The role sits closely alongside the firm's broader risk management function and therefore exposure to Second Line of Defence (2LoD) responsibilities will be viewed particularly favourably. Key Responsibilities Monitor and report on the performance of the firm's Home Purchase Plan (HPP), Buy-to-Let (BTL) and Bridging portfolios, identifying emerging trends, early warning indicators and potential areas of credit risk. Assist with the development and ongoing maintenance of credit risk policies, procedures and internal risk frameworks. Act as Secretariat to the Credit Committee, ensuring governance processes are well documented and effectively administered. Prepare and coordinate management information and reporting packs for Credit Committee, Executive Risk Committee and Board Risk & Audit Committee meetings. Support the monitoring of accounts in arrears, forbearance arrangements and portfolio performance metrics. Ensure activities remain aligned with FCA regulatory requirements and internal governance standards. Contribute to stress testing, scenario analysis and portfolio risk modelling activities. Work closely with Underwriting, Operations and Compliance teams to maintain consistent risk standards across the lending lifecycle. Assist with onboarding and training new colleagues on financial crime policies and internal procedures. Provide support across broader risk, governance and compliance initiatives as required. Skills & Experience Experience within credit risk, ideally within real estate, mortgages, property lending, specialist lending, buy-to-let or bridging finance. An understanding of UK regulatory expectations, particularly FCA oversight, MCOB requirements and financial crime frameworks. Strong analytical capability with the ability to interpret both financial and non-financial information. Excellent written and verbal communication skills, including the ability to prepare clear risk reporting and documentation. High attention to detail with sound judgement when assessing credit risk scenarios. Ability to work independently while contributing effectively within a collaborative risk environment. Second Line Experience Experience supporting or contributing to Second Line of Defence (2LoD) risk responsibilities will be particularly advantageous. This may include exposure to areas such as: Portfolio risk monitoring and performance analysis Credit risk policy development and framework design Risk appetite monitoring and reporting Governance processes and committee reporting Stress testing, scenario analysis or portfolio modelling Risk reporting / Risk registers / enterprise risk experience Candidates with exposure to these areas are encouraged to clearly reference these responsibilities within their CV. Highlighting this experience in your CV, will ensure your application can be assessed accurately against the requirements of the role. The firm will wait for individuals who are awating bonus payouts + resignation periods if required. Please note the role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office.