Development Finance Relationship Director in Manchester

Development Finance Relationship Director

National role | Home-based

An established, well-capitalised UK Challenger Bank is seeking an experienced Development Finance Relationship Director to support continued growth across its property development lending portfolio, with a particular focus on Social Housing, Supported Living and Residential Development.

This is a senior, nationally focused role, offering autonomy, profile and the opportunity to lead on complex, high-value development transactions within a bank that has genuine appetite to lend.

The Role

You will be responsible for originating, structuring and delivering property development and real estate-backed facilities, typically ranging from £1m to £10m+, working with experienced developers, housing providers and specialist operators across England.

Key responsibilities include:

• Origination of new property development finance opportunities, with a strong emphasis on Social Housing and Supported Living schemes
• Leading the structuring and execution of complex development transactions, including:
• Ground-up development
• Multi-phase schemes
• Refinances and acquisitions
• Bespoke and structured facilities
• Acting as the senior relationship lead for complex and high-value borrowers
• Building and managing a high-quality national lending pipeline aligned to credit appetite
• Producing and presenting robust credit proposals, including development appraisals and financial models
• Working closely with Credit, Risk, Legal and Portfolio teams to progress deals efficiently from approval to drawdown
• Overseeing development monitoring, including cashflows, cost-to-complete, build progress and covenant compliance
• Supporting portfolio management activities, renewals and restructures where required
• Representing the bank externally with intermediaries, professional advisers and at industry events

About You

You will be an experienced development finance professional with a strong track record in property development lending.

Essential experience:

• Significant experience (typically 8+ years) in property development finance, structured real estate lending or specialist property finance
• Proven track record of originating and completing property development loans, ideally in the £1m–£10m range
• Strong understanding of:
• Development risk
• Valuations
• Financial modelling and sensitivity analysis
• Security structures and legal documentation
• Experience lending into Social Housing, Supported Living, Residential Care or specialist residential development
• Ability to lead complex, multi-party transactions from origination through to completion
• Strong credit skills with the confidence to present cases to senior stakeholders and credit committees

Desirable:

• Existing national developer or intermediary networks
• Experience of syndicated or larger structured transactions

Personal Attributes

• Commercially astute and results-focused
• Highly organised, self-motivated and comfortable working autonomously
• Strong communicator, able to engage confidently with senior borrowers and professional advisers
• Detail-driven with a pragmatic, solutions-focused approach
• Comfortable operating in a national, home-based role with regular travel

Location & Travel

• Home-based, national role
• Regular UK travel required, with occasional overnight stays