Triodos Bank UK
Assistant Credit Manager - Special Asset Management
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The Opportunity
As Assistant Credit Manager – Special Asset Management, you will play a key role within a values-led organisation. You will manage high-risk passive relationships to achieve recovery for customers where possible and minimise credit losses for the bank. You will also manage credit facilities with the Business Banking team, ensuring that we provide credit to suitable customers at fair levels of risk and reward. In addition, you will deputise for the Credit Relationship Manager as required and assist with analysing data for the wider Credit Team.
This role offers the benefits of flexible hybrid working, with an expectation to be in our Bristol office 1-2 days a week and the option to work from home on the other days.
Key Responsibilities
- Act as Relationship Manager for a portfolio of customers, including those subject to insolvency proceedings or recovery plans, maintaining contact with customers and their advisers by phone, letter, and face-to-face meetings.
- Develop and implement recovery, restructuring and/or work-out strategies, secure borrower agreement, and apply appropriate forbearance concessions for Vulnerable Customers and debt restructuring.
- Ensure Treating Customers Fairly (TCF) principles and fair customer outcomes are central to SAM strategy-setting and ongoing portfolio management.
- Monitor the SAM portfolio, keep Senior Management informed of adverse developments, and manage reputational risk during recovery action in collaboration with Market Communications.
- Support Business Banking Relationship Managers in pre-default cases to avoid default where possible or bring the situation swiftly under control, and conduct credit reviews of existing borrowing.
- Report on the performance of the B&D loan portfolio, identifying adverse movements and excesses, and manage the receipt, analysis, and recording of financial and operational data from borrowers in the Bank’s operating system.
- Deputise for the Credit Manager and assist with their portfolio as required, while supporting the Credit Analysis function to ensure SLAs are met.
- Support the Head of Credit Risk and Senior Credit Relationship Manager with analysis of the SAM book and wider credit position, while complying with regulatory obligations and internal governance, delivering good customer outcomes, and undertaking any other work required from time to time.
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What You Will Bring
- Proven track record and experience of lending to small and medium-sized enterprises.
- Ideally, experience of UK business lending, including underwriting commercial loans and overdrafts, as well as managing high-risk clients through to recovery. Knowledge and practical experience of current legal practice, risk appraisal, and lending practice would be beneficial, but are not essential.
- Detailed approach to information and data analysis, as well as decision-making.
- Commercial appreciation of customers’ needs, balanced against the risk and return involved in existing lending positions.
- Knowledge of current practice relating to Vulnerable Customers, Forbearance, and Treating Customers Fairly (TCF) principles would also be beneficial.
What We Offer
- Full-time equivalent of £40,000 – £45,000 depending on experience, plus access to an extensive benefits package, where most benefits are non-contributory.
- Pension & Insurance
- Non-contributory pension scheme offering 8% salary in your first year and 10% salary thereafter.
- Life Assurance (worth 4 times basic pay).
- Income Protection.
- Private Medical Insurance.
- Health & Wellbeing
- 27 days’ holiday (full-time equivalent) plus bank holidays, rising to 30 days after 2 years.
- A buy and sell holiday scheme.
- 1 wellbeing day and £200 wellbeing allowance per year.
- Vitality Leave – a part paid sabbatical of up to 3 months after you’ve been with us for 5 years, and every 7 years thereafter.
- Company sick pay.
- Health Cash Plan.
- Family
- Company maternity, adoption, and partners’ pay including additional leave for premature births.
- 5 days fully paid carers’ leave.
- 10 days fully paid fertility leave.
- 10 days fully paid miscarriage leave.
- Other
- Colleague recognition scheme.
- Co-worker retail discounts.
- Cycle to work scheme.
- Refer a Friend scheme.
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Our Commitment to Inclusion
At Triodos Bank, we are committed to building a diverse and inclusive organisation. We particularly welcome applications from underrepresented groups and neurodiverse candidates, and we value different career paths and lived experiences.
Please apply as soon as possible if this opportunity is of interest, as we reserve the right to close the vacancy once sufficient applications are received.
Closing Date: 22/10/2026
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