Credit Manager – Property Development Finance

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

Job summary

A leading FinTech company in Stevenage is seeking a Credit Manager specializing in Property Development Finance. The role involves ensuring credit quality of new loans, developing loan policies, and assisting the team in maintaining risk controls. Join a collaborative team in a growing business with competitive salary and benefits.

Benefits

Competitive salary based on experience

Bonus

Pension

Healthcare

Life cover

Flexible working hours

Good work-life balance

Qualifications

• Extensive experience in property development funding credit.
• Experience in an FCA-regulated environment.
• Background in financial services sector roles.

Responsibilities

• Maintain credit quality of new loans using credit models and policies.
• Conduct pre-application discussions with Relationship Directors.
• Report exceptions and provide recommendations to the Head of Credit.

Skills

Attention to detail

Decision-making

Communication

Commercial awareness

Organizational skills

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

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Credit Manager – Property Development Finance, Stevenage

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, establishing controls, and drafting procedures for Board approval.
• Ensure all credit reports comply with policies and guidelines.
• Report exceptions and provide recommendations to the Head of Credit.
• Advise on concentration risks and suggest mitigants.
• Identify and recommend improvements for policy and process shortcomings.
• Stay informed on current rates, activities, and regulatory issues.
• 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 Sighting Papers and Credit Reports, responding with approval, decline, or alternative terms.
• Address lender questions via the website Q&A.
• Coordinate with the Deal team to ensure timely loan progression.
• Verify loan agreements for compliance before release.
• Ensure all conditions are met before loan drawdown.
• Participate in departmental meetings to promote credit knowledge.
• Monitor post-deal activities for development loans.
• Provide redemption figures and loan statements.
• Attend client meetings as appropriate.
• Support and train new relationship staff.

Skills & Knowledge:

• Extensive experience in property development funding credit.
• Ability to make informed decisions on new deals.
• Commercial awareness and a broad business understanding.
• Strong decision-making skills.
• Effective communication skills internally and externally.
• Understanding of how credit issues impact the wider 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.
• Background in financial services sector roles.
• Excellent knowledge of loan, security, and financial documents.

Future & Rewards:

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