Senior Credit Manager - Real Estate Finance

CRS; London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

CRS, a distinguished financial services organization, is seeking a Senior Credit Manager to bolster its Real Estate lending business. In this mid-senior level role, you'll independently assess complex credit proposals, guide junior colleagues, and influence credit policy within a collaborative team. The ideal candidate will have significant experience in real estate credit and a strong commercial acumen, supported by a relevant degree and professional qualification. The position offers a competitive salary, benefits, and flexibility in hybrid working arrangements.

Benefits

Attractive salary and benefits package

Hybrid working

Flexibility for the right candidate

Qualifications

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

Responsibilities

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

Skills

Decision-making

Communication

Financial analysis

Commercial insight

Education

Degree qualified

Professional qualification (e.g. ACIB)

Job description

This range is provided by CRS. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Head of Real Estate Finance for CRS Development Finance Commercial Mortgages and BTLBridging Finance Residential Mortgages

️ 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.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Other

• Industries

  Banking and Financial Services

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