Job Description

InterBay Asset Finance began in 2018 with a simple vision: to be a lender that unlocks business' potential. Treating every case with respect, with the aim to take as much hassle away as possible.
We are now looking for a Credit Manager to join our small, close-knit team. In this role, you will underwrite Asset Finance transactions to the highest standard, providing clear, well-reasoned recommendations while delivering outstanding service to our sales team and broker network.
Your work will directly support InterBay Asset Finance's goals and contribute to our continued growth.
What you will be doing?
As a Credit Manager, you will play a central role in underwriting Asset Finance transactions up to 450k and recommending decisions on cases outside your delegated authority. You will complete detailed credit reviews and work closely with our Sales team and broker partners to deliver an exceptional service experience.
This is an opportunity to join a friendly, highly collaborative team in a hands-on underwriting role. You will gain a thorough understanding of customers' businesses, and shape well-structured deals that work for both the customer and InterBay. Your decisions will have a visible impact on the wider business and will help drive our continued growth.
Your responsibilities will include...

• Undertaking full credit assessments of Asset Finance proposals, taking ownership of decisions to ensure they align with the agreed risk appetite, policy, and delegated authority framework.
• Acting as a Subject Matter Expert in Asset Finance, bringing advanced knowledge of sector dynamics, customer industries, and the assets being funded.
• Delivering high-quality credit assessments focused on cash generation, clearly highlighting key risks and mitigants while meeting agreed service level standards to keep the business competitive and risk-controlled.
• Reviewing, analysing, and making well-reasoned recommendations to the Head of Underwriting
• Building strong relationships with key internal and external stakeholders, including brokers, customers to support sustainable growth, and confidently justifying or negotiating amended terms where required.
• Using your specialist understanding of the Asset Finance market to structure proposals that meet the needs of both InterBay and our customers, while ensuring Treating Customers Fairly standards are upheld.
• Bringing a positive, solutions-focused approach to underwriting, balancing commerciality in a competitive market with adherence to OSB Group's risk framework.
• Completing credit and portfolio reviews as required by policy or at the request of the Head of Underwriting.

What's in it for you?
We offer a base salary dependent on experience of between 55,000 - 65,000 and a competitive benefits package including:

• Enhanced family-focused benefits
• Hybrid-working of 3 days based in our office and 2 days working from home per week
• Annual bonus opportunity

Please use this link to see the fantastic benefits available at OSB:
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:

• Previous experience working as an Underwriter, including at least 3 years' experience specifically within the Asset Finance market.
• Specialist knowledge of the Asset Finance sector, including product types, funding structures, and asset values.
• The ability to review data, identify potential issues or risks, and apply sound commercial judgement.
• Strong communication skills, with the ability to present and justify your analysis and recommendations to senior stakeholders confidently and clearly.

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:
Shortlisted candidates will go through a personalised recruitment process, that is relevant and conversational - inclusive any individual reasonable support required. We want to bring out the best in you!
Diversity, Equity & Inclusion
Not sure if you meet the spec? Let us decide.
Research tells us that those from marginalised 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.

Skills Required