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- Tasks: Assess and decide on Real Estate Finance lending transactions while ensuring high credit standards.
- Company: Join Secure Trust Bank Group, a diverse and inclusive workplace.
- Benefits: Flexible working hours, career development opportunities, and a supportive culture.
- Why this job: Make a real impact in a purpose-driven environment focused on sustainability.
- Qualifications: Experience in Real Estate Finance credit risk and strong communication skills.
- Other info: Collaborative team atmosphere with a focus on continuous improvement.
The predicted salary is between 36000 - 60000 £ per year.
What You’ll Be Doing
- Acting as a key part of our second line of defence, you’ll assess and decision Real Estate Finance lending transactions across both Development and Investment sectors.
- Providing expert guidance on new lending requests, restructuring proposals, and supporting Relationship Directors through the credit approval process.
- Championing responsible growth by maintaining high credit standards and ensuring provisions remain within acceptable levels.
- Supporting senior leadership in evolving our risk structures and governance frameworks to enable joined‑up, efficient working practices.
- Contributing to the development of new products, acquisitions, and ventures—ensuring compliance and risk alignment from the outset.
- Assisting the Head of Risk and Head of REF Risk with strategic projects and initiatives.
- Ensuring accurate and timely management information is delivered to ExCo.
- Staying ahead of regulatory changes and helping the business adapt effectively.
- Supporting clean internal and external audit outcomes through diligent process adherence.
What we’re looking for:
- Proven experience in Real Estate Finance credit risk, ideally across both development and investment lending.
- Strong understanding of credit principles, governance, and regulatory frameworks.
- Excellent communication skills with the ability to influence and collaborate across teams.
- A proactive mindset with a passion for continuous improvement and innovation.
- Ability to balance commercial thinking with robust risk management.
- Inclusive culture: We celebrate diversity and are committed to creating an environment where everyone feels they belong.
- Flexible working: We support hybrid working and flexible hours to help you balance work and life.
- Career development: We invest in your growth with tailored learning opportunities and clear progression paths.
- Purpose‑driven: Be part of a business that puts customers, communities, and sustainability at the heart of everything we do.
Everyone is different. Everyone is valued
As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.
Every one of our employees brings unique talent, ability and perspective to their role.
That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.
We’re an award‑winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.
Seniority level
Mid‑Senior level
Employment type
Full‑time
Job function
Finance and Sales
Industries
Banking and Real Estate
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Credit Risk Manager employer: Secure Trust Bank
Contact Detail:
Secure Trust Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Manager
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend events, and connect on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that Credit Risk Manager role.
✨Tip Number 2
Prepare for those interviews by brushing up on your knowledge of credit principles and regulatory frameworks. We want you to be able to showcase your expertise and how you can contribute to our Real Estate Finance portfolio.
✨Tip Number 3
Don’t forget to follow up after your interviews! A quick thank-you email can go a long way in showing your enthusiasm for the role. We appreciate candidates who take the time to express their interest.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who are proactive about joining our inclusive culture.
We think you need these skills to ace Credit Risk Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV speaks directly to the Credit Risk Manager role. Highlight your experience in Real Estate Finance and any relevant projects you've worked on. We want to see how your skills align with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how you can contribute to our team. Be sure to mention your proactive mindset and collaborative spirit—those are key for us!
Showcase Your Achievements: Don’t just list your responsibilities; show us what you've achieved! Use specific examples that demonstrate your understanding of credit principles and your ability to balance risk with commercial opportunities. Numbers and outcomes speak volumes!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Secure Trust Bank
✨Know Your Credit Risk Fundamentals
Brush up on your understanding of credit principles, governance, and regulatory frameworks. Be ready to discuss how these elements play a role in Real Estate Finance, especially in both development and investment lending.
✨Showcase Your Collaborative Spirit
Since the role emphasises collaboration, prepare examples of how you've worked with teams in the past. Highlight situations where you influenced decisions or supported colleagues through complex processes, particularly in credit approvals.
✨Demonstrate Proactive Mindset
Think of instances where you’ve driven continuous improvement or innovation in your previous roles. Be prepared to share how you’ve balanced commercial opportunities with sound risk judgement, showcasing your proactive approach.
✨Stay Ahead of Regulatory Changes
Research recent regulatory changes affecting credit risk management. Be ready to discuss how you would help the business adapt to these changes and ensure compliance, demonstrating your commitment to maintaining high credit standards.
