Senior Credit Manager - Real Estate Finance

JR United Kingdom; City of Edinburgh; Hybrid; GBP 60,000 - 90,000; Full time

Job summary

A leading financial services organization in Edinburgh is seeking a Senior Credit Manager to join its Real Estate lending business. The role involves assessing credit proposals and mentoring junior team members within a collaborative risk function, offering an attractive salary and hybrid working options.

Benefits

Attractive salary and benefits package

Hybrid working and flexibility for the right candidate

High-impact role in credit risk function

Qualifications

• 5+ years’ experience in real estate credit underwriting and lending sanctioning.
• Deep knowledge of Development Finance and bridging is a plus.
• Proven track record of operating under a personal lending authority.

Responsibilities

• Independently assess and sanction complex credit proposals.
• Guide and mentor junior underwriters.
• Participate in committee processes and risk governance responsibilities.

Skills

Financial Analysis

Decision-Making

Communication

Commercial Insight

Education

Degree qualified

Professional qualification (e.g., ACIB)

Job description

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Client:

CRS

Location:

Edinburgh, United Kingdom

Job Category:

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 - 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’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.