Credit Manager – Property Development Finance

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

Job summary

A leading FinTech company is seeking a Credit Manager in Property Development Finance to uphold credit quality while financing loans. The role entails maintaining compliance with policies, developing loan practices, and supporting a proactive team environment within a recognized top-100 growing technology firm. Opportunities for career advancement and competitive benefits await successful candidates committed to excellence in credit management.

Benefits

Competitive salary

Bonus opportunities

Healthcare benefits

Flexible working hours

Pension plan

Life cover

Career growth opportunities

Qualifications

• Extensive property development funding credit experience required.
• Experience in FCA-regulated environments preferred.
• Strong decision-making and communication skills essential.

Responsibilities

• Maintain credit quality of new loans using company’s Credit Models.
• Ensure compliance with policies while developing loan practices.
• Participate in Deal Forum and report exceptions for new business.

Skills

Property development funding credit experience

Decision-making

Communication skills

Attention to detail

Organizational skills

Commercial awareness

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

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Credit Manager – Property Development Finance, Preston, Lancashire

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.

Role Responsibilities:

• Adhere to sanction limits per the Company’s sanctioning matrix.
• Assist in developing and recommending loan policies and practices.
• Ensure all credit reports comply with policies and guidelines.
• Report exceptions and suggest mitigants for new business opportunities.
• Identify and recommend improvements for policy, process, and procedures.
• Stay updated on current rates, activities, and regulatory issues.
• Maintain risk controls and conduct pre-application discussions.
• Participate in Deal Forum and Borrower Review Forum.
• Respond to pricing requests within SLAs.
• Review sighting papers and credit reports, ensuring compliance and clarity.
• Address lender questions via website Q&A.
• Collaborate with the Deal team to ensure timely loan drawdowns.
• Verify loan agreements for compliance before release.
• Ensure all conditions precedent are met before drawdown.
• Attend departmental meetings to promote credit knowledge.
• Monitor post-deal development loans and provide updates.
• Provide redemption figures and loan statements.
• Attend client meetings when appropriate.
• Support and train new staff.

Skills & Knowledge Required:

• Extensive property development funding credit experience.
• Decisive with good judgment on new deals.
• Commercial awareness and a broad business understanding.
• Strong decision-making and communication skills.
• Attention to detail and organizational skills.
• Proficiency in Microsoft Word and Excel.
• GCSE level education or equivalent.
• Experience in FCA-regulated environments and financial services roles.
• Deep knowledge of loan, security, and financial documents.

Future & Reward:

• Join a stable, expanding business with a collaborative team environment.
• Opportunities for career growth as the company expands.
• Competitive salary, bonus, pension, healthcare, life cover, and flexible hours for a healthy work-life balance.