Credit Manager – Property Development Finance

JR United Kingdom; Bolton; On-site; GBP 40,000 - 65,000; Full time

Job summary

An established FinTech company in Bolton is seeking a Credit Manager for Property Development Finance. The role involves maintaining credit quality for loans and developing policies to mitigate risks. The ideal candidate will have extensive experience in development finance and offer a competitive salary along with excellent benefits.

Benefits

Competitive salary

Bonus

Healthcare

Pension

Flexible working hours

Good work-life balance

Career growth opportunities

Qualifications

• Extensive experience in property development finance required.
• Experience in an FCA-regulated environment is a plus.
• Strong understanding of loan and financial documents.

Responsibilities

• Maintain credit quality of new loans.
• Develop and recommend loan policies and practices.
• Ensure compliance with company policies.

Skills

Property development funding credit experience

Decision-making skills

Communication skills

Attention to detail

Organizational skills

Commercial awareness

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

Social network you want to login/join with:

Credit Manager – Property Development Finance, Bolton, Greater Manchester

col-narrow-left

Client:

Location:

Bolton, Greater Manchester, United Kingdom

Job Category:

Other

-

EU work permit required:

Yes

col-narrow-right

Job Views:

2

Posted:

06.06.2025

Expiry Date:

21.07.2025

col-wide

Job Description:

Credit Manager – Property Development Finance

The Company:

An established, highly successful, and rapidly growing FinTech. A commercial lender with nationwide coverage, financing property investors, developers, and SMEs to help them grow. Recognized as one of the UK’s top 100 fastest-growing technology companies in the Sunday Times Tech Track 100 for two consecutive years.

Role Purpose:

As a Credit Manager, you will be responsible for maintaining the credit quality of new loans using the company’s credit models and policies, ensuring lenders do not take undue risks. Extensive knowledge and experience in development finance are required.

Role Responsibilities:

• Adhere to sanction limits according to the company's sanctioning matrix.
• Assist in developing and recommending loan policies and practices, establishing controls and procedures for approval.
• Ensure all credit reports comply with company policies.
• Report exceptions and provide recommendations to the Head of Credit.
• Advise on concentration risks and suggest mitigants.
• Identify and recommend improvements for policies and procedures.
• Stay informed on current rates, activities, and regulatory issues, incorporating them into decision-making.
• Maintain risk controls daily.
• Conduct pre-application discussions with Relationship Directors.
• Participate in Deal Forum and Borrower Review Forum meetings.
• Respond to pricing requests within SLAs.
• Review and respond to sighting papers and credit reports with reasons for approval or decline.
• Address lender questions via the website Q&A.
• Coordinate with the deal team to ensure timely loan processing.
• Verify loan agreements for compliance before release.
• Ensure all conditions precedents are met before drawdown.
• Attend relevant departmental meetings to promote credit knowledge.
• Monitor development loans post-deal, including drawdowns and updates.
• Provide redemption figures and loan statements.
• Attend client meetings as appropriate.
• Train and support new relationship staff.

Skills & Knowledge Required:

• Extensive property development funding credit experience.
• Ability to make informed decisions on new deals.
• Commercial awareness and understanding of the wider business context.
• Strong decision-making skills.
• Excellent communication skills.
• Awareness of how credit issues impact the broader business.
• Attention to detail and accuracy.
• Organizational skills and workflow responsibility.
• Proficiency in Microsoft Word and Excel.
• GCSE level education or equivalent.
• Experience in an FCA-regulated environment.
• Experience in similar financial services roles.
• Knowledge of loan, security, and financial documents.

Future & Reward:

• Join a stable, growing business with a supportive team environment.
• Career growth opportunities as the business expands.
• Competitive salary, bonus, pension, healthcare, life cover, and other benefits. Flexible working hours and a good work-life balance.