Senior Credit Manager - Real Estate Finance

JR United Kingdom; Chelmsford; Hybrid; GBP 60,000 - 90,000; Full time

Job summary

A leading financial services organization is seeking an experienced Senior Credit Manager for its Real Estate lending business. The role involves assessing credit proposals, mentoring junior staff, and contributing to credit policy while ensuring compliance with regulations. The successful candidate will enjoy a competitive salary, hybrid working conditions, and the opportunity to work in a high-impact environment.

Benefits

Attractive salary and benefits package

Hybrid working and flexibility

Qualifications

• 5+ years' experience in real estate credit underwriting.
• Deep knowledge of Development Finance and bridging.
• Strong commercial and property market insight.

Responsibilities

• Independently assess and sanction complex credit proposals.
• Present high-quality credit assessments to senior stakeholders.
• Guide and mentor junior underwriters.

Skills

Credit Assessment

Financial Analysis

Commercial Insight

Decision Making

Education

Degree qualified with professional qualification (e.g., ACIB)

Job description

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Other

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Job Views:

2

Posted:

04.06.2025

Expiry Date:

19.07.2025

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Job Description:

London - Hybrid Position

About the Role:

Our client is an established and growing financial services organisation seeking an experienced Senior Credit Manager to join its specialist Real Estate lending business.

You will be responsible for sanctioning and assessing credit proposals across Development Finance (and ideally Bridging and Real Estate Investment), taking the lead on deals within the SME Sphere.

You will hold a personal lending mandate, making well-informed decisions while helping shape credit policy, supporting junior team members, and contributing to a robust risk culture.

What You'll Do:

• Independently assess and sanction complex credit proposals.
• Analyse new and existing transactions across Development Finance and (ideally) Bridging & BTL.
• Present high-quality credit assessments to Credit Committees and senior stakeholders.
• Support ongoing portfolio reviews and deep dives into sector risk trends.
• Guide and mentor junior underwriters, and help develop credit risk capabilities.
• Input into credit policy, frameworks, and risk appetite evolution.
• Assist with early warning indicators and emerging risk identification.
• Participate in committee processes and risk governance responsibilities.

What You’ll Bring:

• 5+ years’ experience in real estate credit underwriting and lending sanctioning.
• Deep knowledge of Development Finance; bridging and specialist mortgages (BTL, HMO, PBSA) a plus.
• Proven track record of operating under a personal lending authority.
• Strong commercial and property market insight, with deep financial analysis capabilities.
• Understanding of regulatory expectations, risk frameworks, and portfolio risk.
• Preferably degree qualified with a professional qualification (e.g., ACIB or similar).
• Excellent judgment, decision-making, and communication skills.

What’s on Offer:

• Work in a high-impact role
• Join a forward-thinking, collaborative credit risk function.
• Attractive salary and benefits package.
• Hybrid working and flexibility for the right candidate.