Credit Risk Manager

Hampshire Trust Bank; City of Westminster; On-site; GBP 30,000 - 40,000; Full time

Job summary

A specialist bank in the City of Westminster is seeking a motivated professional to enhance mortgage processing by generating quality applications and supporting broker onboarding. The ideal candidate will have experience in lending and a customer service background, with essential skills in Microsoft Word and Excel. Responsibilities include liaising with brokers, managing loan applications, and ensuring exceptional service delivery. Join a team focused on fostering strong relationships and achieving business objectives.

Qualifications

• Demonstrable experience in a lending environment.
• Experience in structuring lending proposals desirable.
• Typically have experience in a customer service environment.
• Intermediate level skills in Microsoft Word and Excel are essential.

Responsibilities

• Generate quality mortgage loan applications through our network of brokers.
• Support the Business Development Managers with broker onboarding.
• Work closely with Business Development Managers on appointments and leads.
• Take inbound calls on new loan scenarios.
• Develop and maintain close contact with brokers and clients.
• Discuss and follow up on issued DIPs with broker/client.
• Update company database and systems.
• Assist brokers with questions borrowers may have.
• Follow up and track initial loan enquiries.
• Achieve monthly individual and company completion targets.
• Ensure best in class service to brokers and clients.
• Work closely with underwriting to maintain quality loan portfolio.
• Discuss and process loans directly with borrowers if required.

Skills

Experience in a lending environment

Customer service experience

Intermediate level skills in Microsoft Word

Intermediate level skills in Microsoft Excel

Job description

About HTB Hampshire Trust Bank

Reports to: Head of New Business – Specialist Mortgages & Bridging Finance Department: Specialist Mortgages & Bridging Finance.

About HTB Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. We offer niche specialty lines as an SME bank, targeting under‑served segments. Our dedicated Wholesale Finance, Asset Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper. We also provide savings accounts to individuals and businesses and, since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go‑to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high‑performing culture grounded in excellence and integrity.

About the Role

• Generate quality mortgage loan applications through our network of brokers in line with business targets.
• Support the Business Development Managers with broker onboarding, ensuring all documentation and checks have been carried out and the broker onboarding process has been followed.
• Work closely with the Business Development Managers, following up on appointments and new business leads.
• Take inbound calls on new loan scenarios, assisting the broker with loan structuring and product selection.
• Develop and maintain close and regular contact with brokers and clients ensuring communication of requirements to and from all parties are both clear and unambiguous.
• Discuss and follow up on all issued DIPs with the broker/client to ensure full understanding of requirements and product terms.
• Update the company database and systems, maximising the system's capability and using it both as a task prompt and as an audit trail.
• Assist the broker with any questions the borrower may have with the terms/pricing/structure of the loan.
• Follow up and track initial loan enquiries.
• Achieve the monthly individual and company completion targets.
• Ensure the broker and client receive a 'best in class' service every time.
• Work closely with underwriting to ensure HTB originates and maintains a quality loan portfolio.
• Discuss and process loans with borrowers directly if required.

Qualifications

• Demonstrable experience in a lending environment.
• Experience in structuring lending proposals desirable.
• Typically have experience in a customer service environment.
• Intermediate level skills in Microsoft Word and Excel are essential.

Competencies and Attributes

• Exceptional organisation and time management skills.
• Good communication skills.
• Delivery of excellence in customer service, customer‑centric approach.
• Risk awareness.
• Team player.