In-life Lending Manager

• Manage in-life changes to lending facilities
• Own complex borrower requests, including restructures, security changes, and loan modifications
• Engage directly with customers to understand and assess requests
• Work with underwriting and relationship teams on credit decisions
• Ensure consistent processes and high-quality documentation
• Review and triage Early Warning Indicator alerts
• Identify emerging risks and take appropriate action
• Manage pre-watchlist accounts and support remediation strategies
• Deliver customer outcomes aligned to Consumer Duty and TCF
• Collaborate across relationship, underwriting, and collections teams
• Engage with broker-introduced customers in line with agreements
• Build and embed scalable in-life lending processes
• Develop meaningful MI and reporting for oversight and planning
• Identify trends and drive improvements across credit and workflow
• Contribute to continuous improvement as the team evolves

Requirements

• Strong understanding of SME/commercial lending and in-life credit risk monitoring
• Ability to interpret Early Warning Indicators and identify emerging credit deterioration
• Customer-focused mindset balanced with risk discipline
• Strong judgement and ability to prioritise effectively in a fast-moving environment
• Robust controls and good documentation standards
• Proven ability to build and embed processes, MI, and ways of working
• Ability to drive continuous improvement across cross-functional stakeholders
• Confident and professional communication with internal stakeholders and customers
• Ability to work with imperfect data and evolving processes
• Applicants must currently reside in the UK
• Sponsorship requirements may apply; candidates must in most cases already reside in the UK

Core Competencies

Demonstrates expertise in managing in-life changes to lending facilities, with a strong focus on SME/commercial lending and credit risk monitoring. Capable of driving continuous improvement and building scalable processes while ensuring high-quality documentation and customer outcomes.

Highest-signal resume keywords

• SME/Commercial Lending
• In-Life Credit Risk Monitoring
• Early Warning Indicators Interpretation
• Process Improvement
• Customer-Focused Mindset

Hard Skills

• Lending Facility Management
• Loan Modifications
• Credit Decision Collaboration
• Risk Identification
• Documentation Standards

Soft Skills

• Strong Judgement
• Effective Prioritization
• Professional Communication
• Customer Engagement

Industry Keywords

• Consumer Duty
• Treating Customers Fairly (TCF)
• Cross-Functional Collaboration

Tools & Technologies

• Management Information (MI) Reporting

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