Credit Manager – Property Development Finance

Chamberlain Career Management; United Kingdom; On-site; GBP 50,000 - 70,000; Full time

Job summary

An established and rapidly growing FinTech company seeks a Credit Manager to oversee the quality of new loans. This role requires extensive property development finance experience and entails a range of responsibilities from policy development to risk assessment. Join a stable environment with opportunities for growth in a supportive team setting.

Benefits

Flexible working hours

Great work-life balance

Healthcare benefits

Life cover and pension

Qualifications

• Extensive development finance knowledge and experience required.
• Experience in FCA regulated environments preferred.
• Strong decision-maker capable of processing complex information.

Responsibilities

• Maintain credit quality of loans using company models.
• Ensure compliance with credit policies and guidelines.
• Conduct assessments with Relationship Directors.

Skills

Property development funding credit experience

Decision-making

Commercial awareness

Communication skills

Attention to detail

Organisational skills

Education

GCSE level or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

Credit Manager – Property Development Finance

Credit Manager – Property Development Finance

Direct message the job poster from Chamberlain Career Management

Resourcing talent throughout the lending lifecycle | Real Estate Finance, Commercial Banking & Alternative Finance | Senior Analysts to C-Level…

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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Analyst, Finance, and Other

• Industries

  Banking and Financial Services

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