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- Tasks: Evaluate and approve Real Estate Finance lending proposals while ensuring rigorous credit quality standards.
- Company: Award-winning UK bank with a focus on strategic growth and risk management.
- Benefits: Competitive salary, opportunities for professional development, and a dynamic work environment.
- Other info: Collaborative culture with opportunities for innovation and process improvements.
- Why this job: Make a significant impact in credit risk management and shape the future of real estate finance.
- Qualifications: Deep expertise in Real Estate Finance credit risk and strong analytical skills.
The predicted salary is between 100000 - 120000 ÂŁ per year.
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
Credit Risk Manager - Real Estate Finance in England employer: psd group
Contact Detail:
psd group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager - Real Estate Finance in England
✨Tip Number 1
Network like a pro! Get out there and connect with industry professionals, attend events, and join relevant groups. The more people you know in the Real Estate Finance sector, the better your chances of landing that Credit Risk Manager role.
✨Tip Number 2
Showcase your expertise! When you get the chance to chat with potential employers or during interviews, make sure to highlight your deep technical knowledge in credit risk. Share specific examples of how you've navigated complex lending scenarios to demonstrate your value.
✨Tip Number 3
Prepare for those tricky questions! Brush up on your understanding of credit risk principles and be ready to discuss how you would approach evaluating high-value lending opportunities. This will show you're not just a generalist but someone who can make a real impact.
✨Tip Number 4
Apply through our website! We want to see your application come through directly. It shows initiative and gives us a chance to see your enthusiasm for the role right from the start. Plus, it’s the best way to stay updated on your application status!
We think you need these skills to ace Credit Risk Manager - Real Estate Finance in England
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the role of Credit Risk Manager in Real Estate Finance. Highlight your deep technical expertise and experience in both development and investment lending. We want to see how your skills align with the job description!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Share specific examples of your credit judgement and how you've navigated complex lending scenarios. Let us know what makes you tick!
Showcase Your Technical Skills: Don’t shy away from showcasing your technical skills in financial modelling and cash flow analysis. We’re looking for someone who can demonstrate their understanding of appraisal methodologies and risk management principles, so make sure these are front and centre!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensure it gets the attention it deserves. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at psd group
✨Know Your Stuff
Make sure you brush up on your technical knowledge of credit risk in Real Estate Finance. Understand the differences between development and investment lending, and be ready to discuss specific appraisal methodologies and stress-testing requirements. This will show that you’re not just a generalist but someone who can navigate the complexities of the role.
✨Prepare for Complex Scenarios
Anticipate questions about complex lending propositions and be prepared to demonstrate your astute credit judgement. Think of examples from your past experience where you identified subtle risks that others might have missed. This will highlight your ability to make sound credit decisions on high-value transactions.
✨Showcase Your Collaboration Skills
Since this role involves working closely with Relationship Directors and senior leadership, be ready to discuss how you've successfully collaborated in cross-functional teams. Share specific instances where your communication skills helped influence stakeholders or drive process improvements.
✨Stay Updated on Regulations
Familiarise yourself with the latest regulatory requirements affecting Real Estate Finance. Be prepared to discuss how you would guide the organisation through necessary adaptations. This shows that you’re proactive and understand the importance of compliance in risk management.