Senior Credit Manager - Real Estate Finance

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

Job summary

A growing financial services organization is looking for a Senior Credit Manager in London for a hybrid position. The successful candidate will sanction and assess credit proposals, support junior team members, and contribute to developing credit policies. This role offers an attractive salary and benefits package in a collaborative environment.

Benefits

Attractive salary and benefits package

Hybrid working and flexibility

High-impact role

Qualifications

• 5+ years of experience in real estate credit underwriting.
• Strong understanding of Development Finance and bridging.
• Proven track record under personal lending authority.

Responsibilities

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

Skills

Financial analysis

Decision-making

Commercial insight

Education

Professional qualification (e.g., ACIB)

Degree qualification

Job description

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Other

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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 organization seeking an experienced Senior Credit Manager to join its specialist Real Estate lending business.

You will 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) is 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 management.
• 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.