Credit Manager – Property Development Finance

JR United Kingdom; Luton; On-site; GBP 40,000 - 70,000; Full time

Job summary

A rapidly growing FinTech company seeks a Credit Manager to ensure the credit quality of loans in property development. This role requires extensive credit experience and offers career progression, competitive salary, and a positive work-life balance in a supportive environment.

Benefits

Competitive salary

Bonus

Pension

Healthcare

Life cover

Flexible working hours

Good work-life balance

Qualifications

• Experience in FCA-regulated environments and financial services roles.
• Knowledge of loan, security, and financial documents.

Responsibilities

• Maintain credit quality of new loans using company policies.
• Conduct pre-application discussions with Relationship Directors.
• Monitor post-deal development loans and update phases.

Skills

Extensive property development funding credit experience

Ability to make informed decisions

Commercial awareness

Strong decision-making skills

Effective communication skills

Attention to detail

Excellent organizational skills

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

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Credit Manager – Property Development Finance, Luton, Bedfordshire

Company: An established, highly successful and rapidly growing FinTech. A nationwide commercial lender financing Property Investors, Developers, and SMEs. 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 maintain the credit quality of new loans using the company's Credit Models and Policies, ensuring lenders do not take undue risks. Extensive development finance knowledge and experience are required.

Responsibilities:

• Adhere to sanction limits according to 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 procedures.
• Stay updated on market rates, activities, and regulatory issues.
• Maintain day-to-day risk controls.
• Conduct pre-application discussions with Relationship Directors.
• Participate in Deal Forum and Borrower Review Forum meetings.
• Respond to pricing requests within SLAs.
• Review sighting papers and credit reports, providing approval, decline, or alternative terms.
• Respond to lender questions via website Q&A.
• Coordinate with the deal team to ensure timely loan processing.
• Verify loan agreements comply with conditions before release.
• Ensure all conditions are met before loan drawdown.
• Attend department meetings to promote credit knowledge.
• Monitor post-deal development loans and update phases accordingly.
• Provide redemption figures and loan statements.
• Attend client meetings as appropriate.
• Support and train new relationship staff.

Skills & Knowledge:

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

Future & Rewards:

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