Senior Credit Manager - Real Estate Finance

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

Job summary

A growing financial services organization is looking for a Senior Credit Manager to lead credit assessments in its Real Estate lending business. This role involves sanctioning credit proposals, guiding junior staff, and shaping credit policy within a collaborative environment. The position offers a competitive salary, excellent benefits, and flexibility in working arrangements.

Benefits

Attractive salary and benefits package

Hybrid working flexibility

Qualifications

• 5+ years of experience in real estate credit underwriting.
• Deep knowledge of Development Finance and bridging.
• Strong commercial insight and financial analysis capabilities.

Responsibilities

• Assess and sanction complex credit proposals.
• Present credit assessments to Credit Committees.
• Support portfolio reviews and risk trend analyses.

Skills

Credit Analysis

Risk Assessment

Communication

Financial Analysis

Decision-Making

Education

Degree Qualification

Professional Qualification (e.g. ACIB)

Job description

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Client:

CRS

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Other

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EU work permit required:

Yes

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Job Views:

2

Posted:

04.06.2025

Expiry Date:

19.07.2025

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Job Description:

? London - Hydrid Position

?️ About the Role:

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

You’ll 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, support junior team members, and contribute 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.