Senior Credit Manager - Real Estate Finance

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

Job summary

A growing financial services organization is seeking an experienced Senior Credit Manager for its Real Estate lending business in Southampton. You'll be responsible for sanctioning credit proposals, guiding junior team members, and shaping credit policy. This hybrid position offers a competitive salary and the chance to work in a collaborative team.

Benefits

Attractive salary and benefits package

Hybrid working and flexibility

High-impact role

Collaborative credit risk function

Qualifications

• 5+ years’ experience in real estate credit underwriting and lending sanctioning.
• Strong commercial and property market insight.
• Understanding of regulatory expectations and risk frameworks.

Responsibilities

• Independently assess and sanction complex credit proposals.
• Guide and mentor junior underwriters.
• Present high-quality credit assessments to Credit Committees.

Skills

Credit Underwriting

Financial Analysis

Communication

Education

Degree qualified with professional qualification (e.g., ACIB or similar)

Job description

Social network you want to login/join with:

Senior Credit Manager - Real Estate Finance, Southampton

Client:

CRS

Location:

Southampton, United Kingdom

Job Category:

Other

-

EU work permit required:

Yes

Job Views:

2

Posted:

04.06.2025

Expiry Date:

19.07.2025

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.