Credit Manager

Were looking for a detail-oriented and experienced Credit Manager to join our Residential Lending team and help assess and manage credit risk across our bridging refurbishment and buy-to-let loan products.

Whats in it for you

Youll play a key role in shaping lending decisions working closely with brokers surveyors solicitors and internal teams to ensure loans are structured responsibly and aligned with our risk appetite.

This is a fantastic opportunity for someone with a strong background in property-backed lending who thrives in a fast-paced collaborative environment. Youll be given autonomy exposure to cross-functional projects and the chance to contribute to strategic initiatives across our Real Estate division.

The team

Youll be joining a team of five Credit Managers within our Residential Lending function. Its a collaborative high-performing group that works closely with Sales Portfolio and other Real Estate teams to ensure seamless credit risk management.

What youll be doing

Assess & Decide:

• Conduct detailed credit risk assessments for bridging refurbishment and BTL loans.
• Analyse financials valuations and borrower profiles to evaluate loan viability.
• Approve or decline applications in line with our credit policies and market conditions.

Collaborate & Communicate:

• Liaise with brokers surveyors and solicitors to gather documentation and resolve queries.
• Maintain strong relationships with third-party stakeholders to support smooth loan execution.

Monitor & Improve:

• Support the Portfolio team with credit-related queries throughout the loan lifecycle.
• Monitor loan performance and recommend actions to mitigate risk.
• Ensure compliance with lending regulations and internal policies.

Qualifications :

• Minimum 3 years experience in underwriting secured property-backed lending.
• Strong understanding of the UK residential property market and lending risks.
• Experience working with brokers surveyors and solicitors.
• Ability to assess complex valuations and make sound lending decisions.
• Proficiency in Microsoft Office and loan management systems. 
• Experience with bridging refurbishment or buy-to-let loans.
• Experience holding a lending mandate.
• Strong interpersonal skills and a proactive team-oriented mindset.

Additional Information :

What we offer

A competitive salary bonus pension and share incentive plan 
Untracked holiday 
Hybrid working   minimum 3 days a week in the office
Anchor (our wellness hub) which includes Headspace one to one coaching through Wellness Cloud Digital GP & more 
Up to 6 months paid parental leave regardless of gender 
Life insurance critical illness cover and income protection 
Private medical insurance for you and your family 
Electric vehicle leasing 
The option to work overseas up to a month per year 

Our Values 
At our core we believe that how a company behaves is just as important as what it does. Thats why we chose to become an accredited B Corp (the equivalent of a Fairtrade coffee stamp but for companies) and to change our Articles of Association so that the interests all our stakeholders employees customers communities environment and shareholders are considered in every decision we make. 

We are committed to building a workplace where diversity is valued and inclusion is a priority. By providing equal opportunities for growth and development we embrace and celebrate all races genders religions sexual orientations ages disabilities and socio-economic backgrounds. We believe teams achieve their best when every member feels safe respected and empowered to be their authentic selves.

Were proud to be disability confident and are committed to supporting candidates with a disability including neurodiversity and mental health conditions throughout the recruitment process. Applicants are welcome to opt-in to the disability confident scheme as part of our application process. If you require any adjustments to the interview process well be happy to accommodate where possible.

Remote Work :

No

Employment Type :

Full-time