Credit Risk Manager

Secure Trust Bank Ltd; City of Westminster; Hybrid; GBP 50,000 - 75,000; Full time

Job summary

A leading specialist lender in the UK is seeking an experienced Credit Risk professional to join their team. In this role, you will assess lending transactions, provide expert guidance, and contribute to strategic projects within Real Estate Finance. The ideal candidate will have a proven track record in credit risk, strong communication skills, and a proactive mindset towards continuous improvement. The company offers a flexible working environment and is committed to career development.

Benefits

Flexible working hours

Tailored learning opportunities

Inclusive culture

Qualifications

• Proven experience in Real Estate Finance credit risk, ideally in development and investment lending.
• Strong understanding of credit principles, governance, and regulatory frameworks.
• Excellent communication skills with the ability to influence and collaborate across teams.

Responsibilities

• Assess and decide on Real Estate Finance lending transactions.
• Provide expert guidance on new lending requests and restructuring proposals.
• Champion responsible growth by maintaining high credit standards.

Skills

Real Estate Finance credit risk

Understanding of credit principles

Excellent communication skills

Proactive mindset

Commercial thinking

Job description

About The Role

We're looking for a passionate and experienced Credit Risk professional to help us grow our Real Estate Finance portfolio in a safe, sustainable, and strategic way. If you thrive in a collaborative environment, enjoy balancing commercial opportunity with sound risk judgement, and want to make a real impact this could be the role for you.

What you'll be doing:

• Acting as a key part of our second line of defence, assess and decide on Real Estate Finance lending transactions across both Development and Investment sectors.
• Provide expert guidance on new lending requests, restructuring proposals, and support Relationship Directors through the credit approval process.
• Champion responsible growth by maintaining high credit standards and ensuring provisions remain within acceptable levels.
• Support senior leadership in evolving our risk structures and governance frameworks to enable joined‑up, efficient working practices.
• Contribute to the development of new products, acquisitions, and ventures—ensuring compliance and risk alignment from the outset.
• Assist the Head of Risk and Head of REF Risk with strategic projects and initiatives.
• Ensure accurate and timely management information is delivered to ExCo.
• Stay ahead of regulatory changes and help the business adapt effectively.
• Support clean internal and external audit outcomes through diligent process adherence.

What we're looking for:

• Proven experience in Real Estate Finance credit risk, ideally across both development and investment lending.
• Strong understanding of credit principles, governance and regulatory frameworks.
• Excellent communication skills with the ability to influence and collaborate across teams.
• A proactive mindset with a passion for continuous improvement and innovation.
• Ability to balance commercial thinking with robust risk management.

Why join us?

• Inclusive culture: We celebrate diversity and are committed to creating an environment where everyone feels they belong.
• Flexible working: We support hybrid working and flexible hours to help you balance work and life.
• Career development: We invest in your growth with tailored learning opportunities and clear progression paths.
• Purpose‑driven: Be part of a business that puts customers, communities and sustainability at the heart of everything we do.

About The Company

Secure Trust Bank Group is an award‑winning specialist lender providing savings and lending services to over one million customers. Since 1952, we have helped customers and businesses fulfil their ambitions.