Credit Risk Manager - Real Estate Finance

Credit Risk Manager – Real Estate Finance

Location: London

Our client, an award‑winning UK bank, is seeking an astute and technically accomplished Credit Risk professional to join their Real Estate Finance team. This isn\’t a role for the generalist—we need someone with deep, demonstrable expertise who can navigate the complexities of both development and investment lending with confidence and precision.

If you thrive on rigorous credit analysis, understand the nuances that differentiate development risk from stabilised investment portfolios, and can apply sophisticated judgment to complex lending scenarios, this role offers the platform to make a significant impact.

What Makes This Role Different

This position sits at the critical intersection of strategic growth and disciplined risk management. You\’ll be the technical authority within the second line of defence, working collaboratively with Relationship Directors and senior leadership to evaluate high‑value lending opportunities while maintaining the robust credit standards that underpin sustainable portfolio growth.

You\’ll have genuine influence—not just reviewing submissions, but actively shaping credit decisions, advising on restructuring cases, contributing to new product development, and enhancing the risk frameworks that govern the business.

Key Responsibilities

• Act as the technical expert within the second line of defence, evaluating and approving Real Estate Finance lending proposals across Development and Investment portfolios
• Provide specialist, authoritative advice on new lending opportunities, complex restructuring cases, and guide Relationship Directors through the credit approval process
• Drive sustainable portfolio growth by upholding rigorous credit quality standards and ensuring provisions remain appropriate
• Partner with senior leadership to enhance risk frameworks and governance structures that enable integrated, streamlined operations
• Contribute to strategic initiatives including new product launches, acquisition evaluations, and business ventures while ensuring regulatory compliance and risk coherence
• Collaborate closely with the Head of Risk and Head of REF Risk on key strategic projects
• Oversee preparation and delivery of accurate, timely management information to the Executive Committee
• Monitor evolving regulatory requirements and guide the organisation through necessary adaptations
• Maintain rigorous processes to support successful internal and external audit outcomes

Who We’re Looking For

• Deep technical expertise in Real Estate Finance credit risk with substantial experience across both development and investment lending portfolios—you understand the distinct risk profiles, appraisal methodologies, and stress‑testing requirements for speculative development versus stabilised income‑producing assets
• Astute credit judgement developed through your experience of evaluating complex lending propositions, with the ability to identify subtle risks that others might overlook
• Comprehensive understanding of credit risk principles, governance frameworks, and the regulatory landscape affecting Real Estate Finance
• Proven track record of making sound credit decisions on high‑value, complex transactions
• Strong technical skills in financial modelling, cash flow analysis, and understanding development appraisals, loan‑to‑value covenants, and debt service coverage metrics

Personal Attributes:

• Intellectually curious with a forward‑thinking approach to risk management
• Excellent interpersonal and communication abilities—capable of articulating complex technical concepts clearly to diverse stakeholders
• Demonstrated success in cross‑functional collaboration and stakeholder influence
• Commercial acumen balanced with disciplined risk management practices
• Genuine enthusiasm for driving process improvements and innovation

Seniority level Mid‑Senior level

Employment type Full‑time

Job function Analyst and Other

Industries Financial Services and Real Estate

Salary £100,000–£120,000