Senior Credit Manager (Real Estate and Development Finance) Shawbrook Group Credit Risk London, ...

Shawbrook Bank; Greater London; On-site; GBP 100,000 - 125,000; Full time

Job summary

A leading financial institution in London is seeking a Senior Credit Underwriter specializing in real estate and development finance. This role involves evaluating complex transactions and assessing credit risk, with responsibilities including financial analysis and credit decision-making. The ideal candidate will have a relevant degree, experience in credit underwriting, and excellent analytical skills. Join a dynamic team dedicated to delivering innovative financial solutions that meet diverse customer needs.

Benefits

Market-leading family-friendly policies

Free access to digital health apps

Contributory pension scheme

Minimum of 27 days holiday per year

Annual discretionary bonus scheme

Qualifications

• Experience in credit underwriting with a focus on real estate and development finance.
• Advanced analytical skills with keen attention to detail.
• Ability to work under pressure and meet tight deadlines.

Responsibilities

• Evaluate and analyze complex real estate finance transactions.
• Conduct comprehensive financial analysis to determine creditworthiness.
• Prepare concise credit recommendations for senior management.

Skills

Financial analysis

Risk assessment

Credit modelling

Real estate valuation

Regulatory knowledge

Education

Bachelor's degree in Finance, Economics, or a related field

MBA or relevant master's degree

Job description

We are seeking a Senior Credit Underwriter specializing in Real Estate and Development Finance to join our team in London. In this critical role, you will be responsible for evaluating and analysing complex real estate and development finance transactions, assessing credit risk, and making informed lending decisions.

• Conduct comprehensive financial analysis of real estate and development projects to determine creditworthiness and risk levels
• Evaluate loan applications, financial models, valuations, monitoring surveyor reports, and other relevant documentation to assess borrower's ability to repay
• Perform detailed property and market analysis to determine asset values and potential risks
• Structure loan terms and conditions based on risk assessment and organizational guidelines
• Collaborate with internal teams, including relationship managers and legal counsel, to ensure thorough due diligence
• Operate a delegated lending authority, opining on credit proposals for final decision
• Prepare and present concise credit recommendations to senior management and credit committees
• Monitor existing loan portfolios and conduct periodic reviews to identify potential issues
• Stay current with market trends, regulatory changes, and best practices in real estate finance and credit underwriting

The Person

• Bachelor's degree in Finance, Economics, or a related field; MBA or relevant master's degree preferred
• Experience in credit underwriting, with a focus on real estate and development finance
• Advanced skills in financial analysis, risk assessment, and credit modelling
• Proficiency in real estate valuation techniques and loan structuring
• In-depth knowledge of real estate markets and development finance
• Strong understanding of regulatory requirements in lending and real estate finance
• Excellent analytical and decision‑making skills with keen attention to detail
• Experience with commercial real estate loans and development projects
• Professional certifications such as CFA or FRM are a plus
• Exceptional written and verbal communication skills
• Ability to work effectively under pressure and meet tight deadlines

The Opportunity

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose‑led organisation, with a focus on delivering long‑term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate, and Personal. Our products range from complex structured credit facilities for growth‑focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice, and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast‑paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Reward

Your Wellbeing

We take your health and well‑being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market‑leading family‑friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle

It's important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi‑holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brandsCommunity support and charitable giving

Your Contribution

We're focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done