OSB Group
Credit Manager - Specialist Lending
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About the team
We’re looking for a Credit Manager - Specialist Lending to join our Credit Risk function and help shape how we oversee our specialist lending portfolios.
Reporting directly to the Group Head of Credit Risk, this is a visible and influential role with exposure to senior stakeholders, Group Credit Committee, and strategic portfolio decision making.
You’ll focus on our non-residential and specialist lending portfolios, including Commercial, Development Finance, Bridging, Asset Finance, and larger exposures. Although you do not need to have deep experience in every product area, we are looking for someone with strong credit judgement, analytical curiosity, and the ability to translate portfolio performance into clear action.
You’ll work closely with colleagues across Credit Risk, Underwriting, Product, Finance, Strategy, and OSBI to improve insight, strengthen MI, and support the continued evolution of the Group’s credit risk framework.
This role is based from our Wolverhampton office, and there may be occasional travel to London and the South of the UK.
What you will be doing?
In this role, you’ll provide clear analysis, insight, and constructive challenge so that portfolio performance is well understood, monitored, and managed in line with risk appetite, lending strategy, policy, and regulatory expectations.
You’ll have the opportunity to influence risk appetite, lending criteria, portfolio actions, and committee-level decision making as our specialist lending portfolios continue to evolve.
Your responsibilities will include:
- Monitor portfolio performance across Commercial, Development Finance, Bridging, Asset Finance, and the Group’s larger exposures, analyzing key credit risk indicators, and identifying emerging risks.
- Lead focused portfolio reviews and deep dives into specific products, sectors, cohorts, or higher-value exposures.
- Turn portfolio data into clear insight, practical recommendations, and committee-ready reporting for senior management and governance forums.
- Support risk appetite and policy oversight, including the review of limits, triggers, and lending criteria where performance or market conditions change.
- Engage with stakeholders across Risk, Underwriting, Product, Legal, Modelling, Finance, and Strategy to support disciplined and commercially balanced credit decisions.
- Contribute to stress testing, scenario analysis, and forecasting, helping the business understand sensitivity to macroeconomic and credit risk drivers.
- Support the design and tracking of management actions where emerging risks or performance deterioration are identified.
- Help improve portfolio MI, reporting processes, and analytical capability across the team.
- Maintain strong governance through clear documentation, adherence to risk and data policies, and consistent application of credit risk standards.
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What's in it for you?
This is a strong opportunity for an experienced credit professional who wants broader exposure across specialist lending, senior stakeholder engagement, and the ability to shape portfolio risk oversight in a growing area of the business.
You’ll be close to the key decisions, with direct access to senior credit leadership and regular visibility through governance and committee reporting.
We offer a competitive base salary depending on experience from £60,000 to £70,000 and a competitive benefits package including:
- Annual discretionary bonus opportunity
- 30 days annual leave plus bank holidays
- Choose to contribute 3% or 5% pension, with employer contributions of 6% or 8% respectively
- Enhanced family-focused benefits
- Hybrid-working
Please use this link to see the fantastic benefits available at OSB: [OSB Careers](OSB Careers)
About us
At OSB Group, we understand how much our people bring to our organisation, which is why we try our best to give back too! Our Purpose is to help our customers, colleagues, and communities prosper, and we are on a transformation journey to become ‘the bank of the future’.
Our commitment to professional development, flexible working, and employee well-being fosters a dynamic and supportive workplace.
Do you have the skills?
We are looking for talented individuals who have the experience and knowledge set out below:
- Strong commercial credit expertise across real-estate-backed lending (Commercial, Semi-Commercial, Bridging, Development Finance, Asset Finance) and core credit risk drivers such as debt service, LTV, liquidity, arrears, and loss performance.
- Advanced analytical capability including Excel proficiency, trend identification, and the ability to interpret and extrapolate portfolio data into practical recommendations.
- Clear and influential communication with strong written and verbal skills, able to engage and challenge stakeholders constructively.
- Robust risk and regulatory awareness including understanding of relevant frameworks and UK regulations. High attention to detail and sound judgement supporting effective decision-making and strong credit-risk discipline.
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Next steps
If this sounds like you, please apply now! For internal applications please visit the internal careers page to apply.
Still on the fence? Hear from our team or explore our process: [OSB Careers](OSB Careers)
Shortlisted candidates will go through a personalized recruitment process that is relevant and conversational. If you need any adjustments or support, we’re here to make sure you can show your best self.
We are proud to be a Disability Confident employer and are committed to creating an inclusive and accessible workplace where everyone can thrive.
We welcome applications from people of all backgrounds and encourage candidates with disabilities and long-term health conditions to apply.
If you meet the minimum criteria for the role and would like to be considered under our Disability Confident Scheme, please indicate this on your application.
Diversity, Equity & Inclusion
Not sure if you meet the spec? Let us decide.
Research tells us that those from marginalized groups feel like they need to meet 100% of the criteria to apply. Here at OSB, we are committed to inclusivity and understand the value different experiences and perspectives can bring, so please don’t feel like you need to check every box to apply for a role internally.
We champion diversity at all levels, with Board-level Diversity Champions tracking our progress. We are proud to be signed up to the Women in Finance Charter to actively support the growth and development of senior women in our sector and are dedicated to treating all our employees and job applicants equally, opposed to discrimination on any grounds.
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