Credit Manager – Property Development Finance

JR United Kingdom; Hemel Hempstead; On-site; GBP 45,000 - 65,000; Full time

Job summary

A leading FinTech company in property development finance seeks a Credit Manager. Responsible for maintaining credit quality, you will leverage your extensive experience while enjoying competitive benefits including salary, bonuses, and flexible working. Join a company recognized for rapid growth and excellent career opportunities.

Benefits

Competitive salary

Bonus

Pension plan

Healthcare

Life cover

Flexible working hours

Good work-life balance

Qualifications

• Extensive property development credit experience required.
• Ability to make informed decisions on new deals.
• Experience in FCA-regulated environments desirable.

Responsibilities

• Maintain credit quality of new loans using company’s policies.
• Develop and recommend loan policies.
• Conduct pre-application discussions with Relationship Directors.
• Monitor post-deal performance and updates.

Skills

Property development funding credit experience

Decision-making

Commercial awareness

Communication skills

Attention to detail

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

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Credit Manager – Property Development Finance, Hemel Hempstead

Location: Hemel Hempstead, United Kingdom

Job Category: Other

EU work permit required: Yes

Job Views: 2

Posted: 06.06.2025

Expiry Date: 21.07.2025

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 2 years in a row.

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 risk. Extensive development finance knowledge and experience are required.

Role Responsibilities:

• Adhere to sanction limits as per the company’s sanctioning matrix.
• Assist in developing and recommending loan policies and establishing internal controls.
• Ensure all credit reports comply with policies.
• Report exceptions and provide recommendations.
• Advise on concentration risks and suggest mitigants.
• Identify and recommend improvements to policies and processes.
• Stay updated on rates, activities, and regulatory issues.
• Maintain risk controls daily.
• Conduct pre-application discussions with Relationship Directors.
• Participate in Deal Forum and Borrower Review Forum.
• Respond to pricing requests within SLAs.
• Review sighting papers and credit reports for approval or alternative terms.
• Respond to lender questions via website Q&A.
• Coordinate with the deal team to ensure timely loan progression.
• Verify loan agreements for compliance before release.
• Ensure all conditions precedent are met before drawdown.
• Attend relevant departmental meetings.
• Monitor post-deal performance and updates.
• Provide redemption figures and loan statements.
• Attend client meetings when appropriate.
• Train and support new staff.

Skills & Knowledge Required:

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

Future & Rewards:

• 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.