K3569 - Credit Manager, Middle Ticket - UK, Greater London / Surrey (Hybrid) - Asset Finance
New Leaf Search has partnered with a leading European financial services group in its search for a Credit Manager, Middle Ticket.
Excellent salary, bonus and benefits. Location: UK, Greater London / Surrey (Hybrid).
The Credit Manager, Middle Ticket will take ownership of expert credit evaluation and underwriting across all business channels, with a primary focus on mid-ticket transactions. This role ensures robust governance, strong credit processes, and timely decision-making across origination, approvals, collateral, and restructuring.
Key Accountabilities:
- Analyse credit data and financial statements to assess risk and make lending decisions on mid-ticket asset finance proposals.
- Interpret internal and external credit, market and broker reports to determine creditworthiness.
- Generate and assess financial ratios and collateral curve analyses to evaluate customer risk and portfolio positioning.
- Prepare clear, concise and commercially balanced credit recommendations for decision-making.
- Exercise delegated sanctioning authority and prepare recommendations for transactions outside personal mandate.
- Maintain compliance with internal policies and statutory regulations including AML, TCF and data protection.
- Conduct periodic reviews of existing transactions, evaluating payment performance, collateral and market intelligence.
- Ensure all transactions meet approved sanctions, credit limits and documentation requirements.
- Provide guidance to front-office teams on risk identification, structuring and presentation.
- Contribute to continuous improvement of credit processes, governance and operational efficiency.
Person Specification:
- 3–5 years’ credit analysis or underwriting experience within asset finance or commercial lending.
- Excellent analytical capability with strong commercial judgement.
- Experience underwriting secured and unsecured mid-ticket transactions.
- Sound understanding of asset finance products, structures and funding facilities.
- Clear and confident communicator, able to present to senior stakeholders.
- Experience assessing structured lending and cash-flow based transactions.
- Strong Microsoft Word and Excel proficiency.
We strongly favour applicants with proven, relevant experience in Financial Services; particularly Asset Finance and Leasing.
You will also require relevant in-country experience, without which, your application will not be considered.
Apply in confidence by sending your CV.
Referral Bonus: £500 if you recommend someone we place!
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