Senior Credit Manager - Real Estate Finance

JR United Kingdom; Lincoln; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading financial services organization is looking for a Senior Credit Manager for their Real Estate lending business in Lincoln. You will assess credit proposals, guide junior team members, and influence credit policy while working in a hybrid arrangement. This high-impact role offers attractive rewards and valuable experience in a collaborative environment.

Benefits

Attractive salary and benefits package

Hybrid working flexibility

Collaborative credit risk function

Qualifications

• 5+ years' experience in real estate credit underwriting.
• Deep knowledge of Development Finance and specialist mortgages.
• Strong commercial insight and understanding of risk frameworks.

Responsibilities

• Independently assess and sanction complex credit proposals.
• Guide and mentor junior underwriters.
• Input into credit policy and risk appetite.

Skills

Real estate credit underwriting

Financial analysis

Decision-making

Communication

Education

Degree in a relevant field

Professional qualification (e.g. ACIB)

Job description

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Client:

CRS

Location:

lincoln, 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 - 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.