Senior Credit Partner

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The Senior Credit Partner will play a key role in assessing and underwriting loan applications for our full range of property finance solutions, with a particular focus on portfolio Buy‑to‑let, Bridging and Commercial Mortgage finance.

Key Responsibilities

• Conduct thorough financial analysis, risk assessment, and due diligence to make informed credit decisions.
• Use your personal delegated lending authority to underwrite larger, more complex lending transactions, further advances and account reviews in line with GB Bank Lending Policy, Treating Customers Fairly (TCF) and responsible lending principles.
• Prepare cases that fall outside your personal lending authority and present them to appropriate authority holders and Committees where required.
• Collaborate with Business Development Managers (BDMs) and Relationship Managers (RMs) to undertake early-stage assessments of new lending cases, providing timely indicative terms responses to borrowers and commercial finance brokers.
• Identify and report cases that show signs of deteriorating credit quality, in line with GB Bank Business Support Policy.
• Act as Deputy for the Head of Credit Underwriting during periods of absence such as holidays.
• Provide guidance and support to junior members of the team, sharing knowledge and best practices to enhance team performance.
• Serve as an expert in the Bank’s lending policy and a “go-to” referral point for BDM, RM and other Credit team colleagues.
• Proactively support post-underwriting case progression (e.g., oversight of property due diligence and documentation), and support post-completion processing and case management (further drawdowns and account reviews).
• Stay abreast of market trends, regulatory changes and industry developments to inform decision-making and identify potential improvements to underwriting systems, policies and procedures.
• Act as a subject matter expert, working with colleagues from across the business, on project teams to develop, test and implement improvements to systems and processes.

Key Skills and Experience

• Extensive experience in credit underwriting within the banking or financial services sector covering a variety of sectors, including Real Estate.
• Strong analytical skills, understanding of credit risk principles, financial analysis techniques and lending regulations.
• Proven track record of making sound credit decisions using a significant mandate and managing credit risk in a commercial lending environment.
• Exceptional communication, interpersonal and stakeholder management skills.
• Ability to work independently and as part of a team, prioritising tasks to meet deadlines in a fast‑paced environment.
• Experience in deputising for senior colleagues and managing more junior colleagues.
• Driven, with a strong desire to exceed expectations.
• Confident, pragmatic and able to exercise good judgement.
• Excited by the opportunity to work in a rapidly growing start‑up bank with a strong purpose.
• Strong organisational skills with the ability to structure workloads efficiently, adapt to shifting priorities, and maintain productivity under pressure.
• Degree or higher education (HEI) qualifications are favourable.
• Professional accreditations from recognised industry bodies and a commitment to continual professional development are preferred.
• Significant demonstrable experience in relevant roles and organisation is favourable.