Credit Manager – Property Development Finance

JR United Kingdom; Ipswich; On-site; GBP 50,000 - 70,000; Full time

Job summary

A successful FinTech company is seeking a Credit Manager to oversee the credit quality of property development loans. The role demands deep expertise in development finance, strategic decision-making abilities, and a commitment to maintaining rigorous standards for new loans submitted for approval. This opportunity offers a dynamic work environment with potential for professional growth.

Benefits

Flexible working hours

Healthcare coverage

Life cover

Pension plan

Great work-life balance

Qualifications

• Extensive property development funding credit experience required.
• Experience in FCA regulated environments preferred.
• Ability to make informed decisions regarding new loans.

Responsibilities

• Maintain credit quality of new loans using company's credit models.
• Ensure compliance with internal policies and regulations.
• Conduct pre-application discussions to assess lending appetite.

Skills

Credit experience

Decision making

Communication skills

Attention to detail

Organizational skills

Education

GCSE level or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

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Credit Manager – Property Development Finance, ipswich

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EU work permit required:

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Job Views:

2

Posted:

06.06.2025

Expiry Date:

21.07.2025

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Job Description:

Credit Manager – Property Development Finance

The Company:

An established, highly successful and rapidly growing FinTech. A commercial lender with nationwide coverage, who finances Property Investors and Developers and SMEs to help them grow. Recognised 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 presented to the Company using the Company’s Credit Models and Policies, so that lenders do not take undue risk with their capital. To be successful in this role, you will need extensive development development finance knowledge and experience.

Role Responsibilities:

• Adhere to a Sanction Limit subject to the Company sanctioning matrix.
• Assist the Head of Credit in the development and recommendation of commercial loan objectives, policies, and practices, establishing internal loan controls and written policies and procedures for Board approval.
• Ensure that all new Credit reports comply with the Company’s Credit Policies and guidelines.
• Report and provide recommendations to the Head of Credit on any exception to the above, via the response tracker.
• Advise the Head of Credit of concentration risks around new business opportunities presented to the Company and suggest mitigants to the risks.
• Identify policy, process and procedure shortcomings and recommend improvements.
• Keep abreast of current and competitive rates and activities, including regulatory issues, and incorporate such into all sanctioning decisions.
• Ensure day to day risk controls are adhered to.
• Conduct pre-application discussions with Relationship Directors to assess appetite.
• Ensure appropriate attendance and contribution at both Deal Forum and Borrower Review Forum.
• Ensure all pricing requests are responded to within agreed Service Level Agreements.
• Ensure that Sighting Papers and Credit Reports presented by Relationship Directors are responded to with agreed Service Level Agreements and they fully set out reasons for; approval / decline or provide alternative terms /structures if appropriate.
• Respond to questions raised by lenders regarding loans via the website Q&A.
• Liaise with members of the Deal team on each specific new loan to ensure that new loans progress to drawdown in as timely a manner as possible.
• Check all new loan agreements to ensure they comply with sanction, in respect of conditions and covenants before they are released to borrowers’ lawyers.
• Check that all Financial Conditions Precedent have been met prior to drawdown of new loans.
• Attend meetings of other departments within the Company as appropriate to promote and enhance credit knowledge within the Company overall.
• Retain post-deal monitoring responsibility for all development loans, undertaking ongoing tranche drawdowns, completing lender updates, and updating phases on receipt of sales proceeds.
• Provide redemption figures and loan statements.
• Attend client meetings where appropriate.
• Provide training and support for all new relationship staff.

Skills & Knowledge Required:

• Extensive property development funding credit experience.
• Able to make informed decisions in respect of new deals presented to the Company.
• Have an awareness of the wider business and take a commercial approach.
• Strong and confident decision maker.
• Good communication skills both internal and external to the Credit Department.
• Awareness of how issues within the Credit Department affect the wider business.
• Good attention to detail and accuracy.
• Excellent organisational skills, taking personal responsibility for workflow.
• A good understanding of Microsoft Word and Excel.
• Educated to GCSE level or equivalent.
• Experience of working in an FCA (or similar) regulated environment.
• Experience of working in a similar role in the financial services sector.
• Excellent knowledge of loan, security, and financial documents.

Future & Reward:

• You’ll be joining a stable growing business with a relaxed, committed, and enthusiastic team-oriented work atmosphere.
• As the business continues to expand, career opportunities are there for the taking for the right people.
• You’ll be rewarded with a basic salary dependent upon experience, bonus, pension, healthcare, life cover and other benefits. The business offers flexible working hours and a great work-life balance.