Head of Credit

Fintelligent Search; England; On-site; GBP 100,000 - 130,000; Full time

Job summary

A dynamic finance lender in London is seeking a Head of Credit to shape their underwriting and credit division. This role offers a salary between £100,000 and £130,000, with opportunities for bonuses and long-term incentives. The ideal candidate will have extensive experience in bridging finance underwriting and excellent knowledge of the UK property market. This is a significant opportunity to influence business strategy and lead a high-performing team.

Benefits

LTIP + Bonus

Supportive working environment

Qualifications

• Extensive experience in bridging and/or development finance underwriting, preferably in a leadership role.
• Excellent knowledge of lending structures and risk management.
• Ability to interpret planning and financial statements.

Responsibilities

• Steer and mentor a team of underwriters to ensure high performance.
• Assess complex bridging and development loan applications.
• Collaborate with senior leadership to align underwriting strategy with business goals.

Skills

Extensive experience in bridging finance underwriting

Knowledge of the UK property market

Excellent communication skills

Proactive leadership qualities

Solid commercial awareness

Job description

Are you looking for a clear progression path to Director and the opportunity to shape an underwriting & credit division? Our client, a dynamic bridging and development finance lender in London, is on the hunt for a Head of Credit. With a rapidly growing loan book and big ambitions, this is your chance to drive the underwriting division and make a significant impact on the company's next growth phase.

This Head of Credit role offers an attractive salary ranging from 100,000 to 130,000 per year depending on your level of experience. You'll have the chance to work closely with the senior management team and influence business strategy.

Our client is a unique & dynamic lender backed by institutional & private funding lines.

Responsibilities

As the Head of Credit, you will:

• Steer and mentor a team of underwriters to ensure high performance.
• Assess complex bridging and development loan applications.
• Maintain and improve underwriting processes in line with industry best practices.
• Act as the final sign-off for high-value or complex deals, challenging where appropriate.
• Collaborate with senior leadership to align underwriting strategy with business goals.
• Ensure compliance with regulatory and internal credit risk guidelines.
• Liaise with brokers, valuers, solicitors, and internal teams.
• Oversee credit paper preparation and present at credit committees.
• Monitor market trends and competitor activity to inform strategies.

Package and Benefits

• Annual salary of 100,000 - 130,000 (negotiable dependent on experience).
• LTIP + Bonus.
• A supportive and entrepreneurial working environment.

Qualifications

To excel as the Head of Credit, you should have:

• Extensive experience in bridging and / or development finance underwriting, with experience in a senior or leadership role.
• Excellent knowledge of the UK property market, lending structures, and risk management.
• Understanding of conveyancing law and ability to interpret planning and financial statements.
• Excellent communication and decision‑making skills.
• Proactive leadership qualities with the ability to manage a team managing many / complex cases.
• Enjoy working in a boutique or SME environment.
• Solid commercial awareness and sound judgement.

If you have experience or interest in roles such as Underwriting Manager, Head of Underwriting, Credit Manager, Senior Credit Manager, Credit Risk Manager, Lending Manager, Credit Director or Underwriting Director then this Head of Credit position could be the perfect fit for you.

This is a fantastic opportunity to lead and shape the underwriting & credit function of a growing lender. If you're ready to take on this challenge and make a significant impact, apply now to become the Head of Credit. To express your interest contact Charlotte Walker at Fintelligent today or share your CV for immediate consideration.