Head Of Credit

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

Job summary

A dynamic finance lender in London is seeking a Head of Credit to drive their underwriting division. Offering a salary between £100,000 and £130,000, the role involves leading a team, assessing loan applications, and influencing business strategy. Ideal candidates will have extensive experience in finance underwriting and a strong knowledge of the UK property market. This is a great opportunity to shape a growing lender's credit function.

Benefits

LTIP + Bonus

Supportive work environment

Qualifications

• Extensive experience in a senior or leadership role in underwriting.
• Understanding of conveyancing law and ability to interpret planning statements.
• Enjoy working in a boutique or SME environment.

Responsibilities

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

Skills

Extensive experience in bridging and / or development finance underwriting

Excellent knowledge of the UK property market

Excellent communication and decision-making skills

Proactive leadership qualities

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.

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.

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.