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- Tasks: Lead credit assessments and sanction complex proposals in Real Estate Finance.
- Company: Join a growing financial services organisation with a focus on real estate lending.
- Benefits: Enjoy hybrid working, an attractive salary, and a collaborative team environment.
- Why this job: Make impactful decisions while mentoring junior team members in a dynamic risk culture.
- Qualifications: 5+ years in real estate credit underwriting; degree and professional qualification preferred.
- Other info: Opportunity to shape credit policy and contribute to sector risk trends.
The predicted salary is between 54000 - 84000 £ per year.
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.
Senior Credit Manager - Real Estate Finance employer: CRS
Contact Detail:
CRS Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Manager - Real Estate Finance
✨Tip Number 1
Network with professionals in the real estate finance sector. Attend industry events, webinars, or local meetups to connect with potential colleagues and learn about the latest trends. This can help you gain insights into what companies like us are looking for in a Senior Credit Manager.
✨Tip Number 2
Stay updated on current market conditions and regulatory changes affecting real estate finance. Being knowledgeable about these topics will not only boost your confidence but also demonstrate your commitment to the field during interviews.
✨Tip Number 3
Prepare to discuss specific examples of your past experiences in credit underwriting and lending sanctioning. Highlight your decision-making process and how you've contributed to shaping credit policies in previous roles, as this will resonate well with our expectations.
✨Tip Number 4
Familiarise yourself with our company culture and values. Understanding what we stand for will help you tailor your conversations and show how you can contribute to our team, making you a more attractive candidate for the Senior Credit Manager position.
We think you need these skills to ace Senior Credit Manager - Real Estate Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in real estate credit underwriting and lending sanctioning. Emphasise any relevant qualifications, such as ACIB, and showcase your track record in assessing complex credit proposals.
Craft a Compelling Cover Letter: Write a cover letter that specifically addresses the responsibilities mentioned in the job description. Discuss your experience with Development Finance and how you can contribute to shaping credit policy and mentoring junior team members.
Highlight Relevant Skills: In your application, focus on your strong commercial insight and financial analysis capabilities. Mention your understanding of regulatory expectations and risk frameworks, as these are crucial for the role.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any errors or inconsistencies. A polished application reflects your attention to detail, which is essential for a Senior Credit Manager.
How to prepare for a job interview at CRS
✨Showcase Your Experience
Make sure to highlight your 5+ years of experience in real estate credit underwriting. Prepare specific examples of complex credit proposals you've assessed and sanctioned, as this will demonstrate your capability to handle the responsibilities of the role.
✨Understand the Market
Brush up on your knowledge of Development Finance, bridging, and specialist mortgages. Being able to discuss current trends and insights in the property market will show that you are well-informed and can contribute valuable perspectives to the team.
✨Prepare for Technical Questions
Expect questions related to credit policy, risk frameworks, and regulatory expectations. Be ready to discuss how you've applied these in your previous roles, as this will reflect your understanding of the industry's standards and practices.
✨Demonstrate Leadership Skills
Since the role involves mentoring junior underwriters, prepare to discuss your leadership style and experiences. Share examples of how you've guided team members in the past, as this will illustrate your ability to support and develop others in the workplace.
