At a Glance
- Tasks: Assess and approve complex lending transactions in property investment and development finance.
- Company: A specialist UK commercial bank focused on SMEs.
- Benefits: Competitive salary, career growth opportunities, and a dynamic work environment.
- Other info: Build relationships with stakeholders and lead improvements in credit processes.
- Why this job: Become a trusted credit partner and influence significant credit decisions.
- Qualifications: Strong experience in Property Lending and Development Finance required.
The predicted salary is between 60000 - 80000 £ per year.
The Company: A UK specialist commercial bank that provides banking services for small and medium-sized businesses (SMEs).
The Role: The Senior Credit Approver is a high-profile role where you'll assess and approve complex lending transactions across property investment, development finance, bridging, and structured finance. You will work closely with senior stakeholders across the Bank, influence significant credit decisions, and play a key role in protecting and growing the lending portfolio. This role is an opportunity to move beyond pure transaction underwriting and become a trusted credit partner to the business. You will support the structuring of complex deals, contribute to senior credit committees, influence portfolio strategy, and help shape the future of the credit framework within development finance. You will assess and approve complex real estate-backed lending transactions, support Frontline Bankers to structure deals that balance growth and risk, and exercise delegated lending authority across a diverse portfolio. You will present cases to the Executive Credit Committee, review portfolio performance, and identify emerging risks. Act as a subject matter expert on credit underwriting and portfolio management, lead improvements to credit processes, policies, and governance frameworks, and build strong relationships with stakeholders across the Bank.
The Candidate:
- Strong experience in Property Lending and Development Finance.
- Experience sanctioning commercial lending within a UK bank.
- Deep knowledge of development finance and commercial real estate lending.
- Proven experience operating within a second line credit function.
- Excellent credit analysis and financial assessment skills.
- Strong understanding of credit risk, governance, and regulatory requirements.
- The confidence to challenge, influence, and make well-reasoned lending decisions.
