Senior Credit Manager - Real Estate Finance

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

Job summary

A leading financial services organization is seeking a Senior Credit Manager to enhance its real estate lending operations. This role involves assessing credit proposals, mentoring junior staff, and shaping the credit policy within a collaborative team. Ideal candidates bring extensive experience in real estate credit underwriting and possess strong financial analytical skills, making strategic decisions to drive portfolio performance. Hybrid work options and an attractive salary package are on offer for the right candidate.

Benefits

Attractive salary and benefits package

Hybrid working arrangement

High-impact role

Collaborative team environment

Qualifications

• 5+ years’ experience in real estate credit underwriting.
• Understanding of regulatory expectations and risk frameworks.
• Track record under personal lending authority.

Responsibilities

• Assess and sanction complex credit proposals.
• Present credit assessments to committees.
• Guide junior underwriters and contribute to risk policies.

Skills

Credit underwriting

Financial analysis

Decision making

Communication

Education

Degree qualification

Professional qualification (e.g., ACIB)

Job description

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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 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.