Credit Manager, Corporate & Business Credit - #1742548

Job Description

Your Career, Your Danske Bank……..You’re Danske Bank

Your role:

Credit Manager, Corporate & Business Credit (Based within Risk Management)

Why you’ll want to work with us:

At Danske Bank, we’re driven by a clear purpose: to help customers, colleagues, and society thrive. We believe that what we do genuinely makes a positive difference and that our culture and ways of working create a unique place to grow your career. This includes investing in our people’s personal growth and wellbeing to ensure everyone feels that they belong and are set up for success.

You don’t have to just take our word for it - we are very proud of our external recognition which includes being rated by Best Companies as a 3-star World Class Organisation to work for, as a Top 100 Best Company to Work for in the UK and as 4 th in the Financial Services Sector.

We value diversity in its broadest sense which we know makes us stronger as a business and invites all colleagues to bring their whole selves to work. Our Diversity and Inclusion Strategy is central to our purpose and shows up in how we work every day.

Driving sustainability is a key strategic priority for us. We’d proud to have achieved the highest level in the Northern Ireland Environmental Benchmarking Survey by Business in the Community (BITC) for the seventh consecutive year.

We’re passionate about giving back to the communities in which we live and work. There are lots of ways you can get involved, such as fundraising for our charity partner (Include Youth), visiting schools to teach young people about money and budgeting, volunteering with a local food bank, planting trees, and so much more.

So, if you share our values and enthusiasm and all of what we stand for resonates with you, then you will find a home at Danske Bank.

Your benefits:

There’s much more to working at Danske Bank than just a salary but for this role we are offering a competitive salary and car allowance in addition.

We want to be a workplace in which our colleagues can succeed and feel empowered through all stages of their career and life. We also offer an attractive range of flexible benefits centered on wellness, financial, psychological, physical and social. Everyone’s circumstances are different, and our benefits can be tailored to your needs. For example, if you want to buy more holidays or need to avail of medical treatment, then we have a range of benefits for you. And if you want to make your money, go further, our Danske Discounts offering is just for you. With non-stop discounts, this is the perfect perk for all colleagues. If the gym is of interest to you can avail of savings on gym membership.

The role in detail

We’re looking for a skilled and experienced Credit Manager to join our Corporate & Business (C&B) Credit team within Risk Management.

This is a fantastic opportunity to be a key influencer providing input across C&B Banking on the management of credit and lending issues, while ensuring continuous development of the business and playing an important role in supporting the Bank’s strategic objectives.

Our C&B Credit team are responsible for 2 nd line credit assessment / underwriting, and co-management of credit risk for customers in financial difficulties. Our focus includes balancing robust credit risk management with a strong focus on positive customer outcomes, along with contributing to the development, implementation and overview of Credit Policy and Credit parameters for both our core local Northern Ireland market, and our activities in the rest of the UK. As a team we apply expert credit analysis while supporting the implementation of robotics and AI decisioning processes.

As a Credit Manager, you will exercise a delegated lending authority (DLA) in line with Group Credit Policy, commercial strategy, Risk Appetite, standard operating procedures and asset quality requirements. You will assess credit applications for business, financial and structural risks, data integrity and including consideration of ESG matters and Geopolitical, Security and Energy (GSE) risks, working within the framework of Consumer Duty obligations and in line with service level standards to support customer experience and satisfaction.

The role also involves analysing sustainability-led applications to support customers in their transition strategies, developing expert credit skills covering all C&B customers across a range of sectors, specialist knowledge in key segments, and engaging commercially with 1 st line colleagues to provide value-adding input and challenge thereby contributing to growth objectives while managing risk.

Other key responsibilities include, but are not limited to, identifying key portfolio issues, improvement opportunities and (co)implementing change management initiatives, along with scoping of and delivering on training needs of both Credit and 1 st line colleagues. You will be expected from time to time to deputise for the Senior Manager C&B Credit Assessment and / or co-present cases with Head of C&B Credit UK in forums with Group Credit Copenhagen. The role may also require capabilities in the management of customers experiencing financial difficulty within the C&B Special Credits unit.

What skills / qualifications will you need?

• You’ll be a financial professional or an experienced Credit Manager within a Corporate Banking/Finance environment who is comfortable interacting and negotiating with Senior Corporate & Business Relationship Managers.
• You’ll have experience, either in a Banking or Finance environment, of dealing with customers and businesses based in NI and the rest of the UK, from a variety of sectors, which may include but not limited to trading businesses with UK and international interests, housing associations, operators in the renewables sector, commercial real estate operators etc.
• You will have proven ability to accept accountability for making logical and well-balanced decisions whilst working under pressure, within time constraints and with complex data.
  
  

You’ll also:

• Be able to demonstrate strong customer and business focus to support our leading Customer Satisfaction position and ongoing customer experience focus. Commerciality will be a key trait.
• Possess extensive general product knowledge of core lending facilities, and ancillary lines.
• Have well developed influencing skills, presenting analysis supporting findings and underpinning your recommendations.
• Possess strong written and verbal communication skills in Credit decision forum / risk committee settings and also in a digitalised environment.
• Have experience building successful working relationships with a variety of stakeholders.
• Have an appreciation of Danske Bank’s market position in NI, our C&B customer proposition, and our values.
• Demonstrate experience contributing to cross-functional change management initiatives in a highly dynamic environment.
• Have over 5 years’ experience in a related role ideally with a business degree or equivalent and/or relevant post-graduate ACA, ACCA, CIMA, MBA, Institute of Bankers qualifications.
• Ideally have developed profile in the NI Corporate Banking market and have a network of contacts in intermediaries with whom the Bank and / or its customers interact.
  
  

As a Credit Manager you are deemed to be a “material risk taker” under the UK Financial Conduct Authority’s Senior Managers Framework / Certification Regime, and as such, clear the required background checks.

How We Work

Our belief is that we are “Better when Together” and want to balance the benefits of teaming up in person with flexible working where possible. We will be supportive and flexible to your circumstances, so for roles that offer a hybrid option we ask colleagues to attend their base location a minimum of 3 days a week so they can connect, collaborate and learn together. The other 2 days can be worked either from home or another bank location. Some of our roles are customer facing which means that it’s really important to be able to work with customers face to face and hybrid working isn’t appropriate.

If this sounds good to you, we’d love to hear from you. Apply by uploading your CV ensuring you have included enough detail to clearly demonstrate how you meet our criteria.

Good luck!

If you have a disability, long term health condition or additional need that requires accommodation or adjustments during any stage of the recruitment process, please advise us of this on your CV & a member of the team will be in touch to discuss!

Each one of us is different, and at Danske Bank we value and respect individual differences. Danske Bank is proud to be an equal opportunity workplace. That means that, as a committed equal opportunities employer, we welcome applications from all suitably qualified candidates regardless of (but not limited to); gender, ethnicity, background, nationality, generation, age, working style, religious background, sexual orientation, gender identity, gender expression and cognitive diversity.

About Us

Danske Bank is the trading name of Northern Bank Ltd, one of the largest banks in Northern Ireland and an autonomous subsidiary of Danske Bank Group. We’ve been helping people and businesses achieve their ambitions for over 200 years. Today, we serve the needs of our personal and business customers through our branches, our regional business centres, telephone banking and a wide range of digital banking channels.

We want to be the best bank in Northern Ireland for our customers, colleagues, partners and society. You can read more about our approach to Social Responsibility here . We’re different to other banks – we have a European flavour but we’re proudly local and our CEO is based here. We have the strength of an international parent, combined with our local presence, decision-making and expertise.