Credit Manager – Property Development Finance

JR United Kingdom; Woking; On-site; GBP 40,000 - 60,000; Full time

Job summary

A growing FinTech company is seeking a Credit Manager in Woking to ensure credit quality and compliance in property development finance. The ideal candidate will have extensive experience in credit decisions, a strong commercial awareness, and confidence in dealing with various internal and external stakeholders. This role offers a competitive salary, bonuses, and opportunities for career progression within a supportive team environment.

Benefits

Competitive salary

Bonus

Pension

Healthcare

Life cover

Flexible hours

Work-life balance

Qualifications

• Extensive property development funding credit experience required.
• Experience in FCA-regulated environments.
• Proficient in Microsoft Word and Excel.

Responsibilities

• Maintain credit quality of new loans using company’s Credit Models.
• Ensure compliance of credit reports and policies.
• Report exceptions and suggest improvements for risk management.

Skills

Credit experience

Decision-making

Communication

Attention to detail

Organizational skills

Education

GCSE level education or equivalent

Tools

Microsoft Word

Microsoft Excel

Job description

Social network you want to login/join with:

Credit Manager – Property Development Finance, Woking

Company: An established, highly successful, and rapidly growing FinTech. A nationwide commercial lender financing Property Investors, Developers, and SMEs. Recognized in the UK’s top 100 fastest-growing tech 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 per 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 suggest mitigants for new business opportunities.
• Identify and recommend improvements for policy and process shortcomings.
• Stay informed on rates, activities, and regulatory issues, and incorporate them into decision-making.
• Maintain risk controls daily.
• Conduct pre-application discussions with Relationship Directors.
• Participate in Deal Forum and Borrower Review Forum.
• Respond to pricing requests within SLA.
• Review sighting papers and credit reports, providing approval, decline, or alternative terms.
• Address lender questions via website Q&A.
• Coordinate with the deal team to ensure timely loan progression.
• Verify compliance of loan agreements before release.
• Ensure all conditions are met prior to drawdown.
• Attend relevant department meetings to promote credit knowledge.
• Monitor post-deal development loans, including tranche drawdowns and updates.
• 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 a broad business perspective.
• Strong decision-making skills.
• Effective communication skills both internally and externally.
• Understanding of how credit issues impact the wider business.
• Attention to detail and accuracy.
• Excellent organizational skills and workflow responsibility.
• 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.
• Opportunities for career progression as the company expands.
• Competitive salary, bonus, pension, healthcare, life cover, and other benefits. Flexible hours and work-life balance.