Senior Credit Manager - Real Estate Finance

JR United Kingdom; Guildford; Hybrid; GBP 60,000 - 85,000; Full time

Job summary

An established financial services organization seeks a Senior Credit Manager for its Real Estate lending business. The role involves assessing and sanctioning credit proposals, mentoring junior staff, and contributing to credit policy. The ideal candidate brings extensive experience in real estate credit, strong analytical skills, and a deep understanding of market dynamics, all while enjoying a hybrid working environment with a competitive package.

Benefits

Attractive salary and benefits package.

Hybrid working and flexibility.

High-impact role in a collaborative environment.

Qualifications

• 5+ years' experience in real estate credit underwriting.
• Deep knowledge of Development Finance and specialist mortgages.
• Proven track record under a personal lending authority.

Responsibilities

• Assess and sanction complex credit proposals independently.
• Present high-quality credit assessments to committees and stakeholders.
• Guide and mentor junior underwriters.

Skills

Commercial insight

Financial analysis

Decision making

Communication

Education

Degree qualification

Professional qualification (e.g., ACIB)

Job description

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Client:

CRS

Location:

Guildford, 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 sector risk trend analysis.
• 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.