At a Glance
- Tasks: Manage Sub-Charge Lending, evaluate loan applications, and ensure outstanding customer service.
- Company: Charles Street Finance, a growing specialist lender with a focus on customer care.
- Benefits: 26 days holiday, birthday off, gym access, and discretionary bonuses.
- Other info: Diverse and inclusive workplace committed to supporting all employees.
- Why this job: Join a dynamic team and make impactful lending decisions in a supportive environment.
- Qualifications: Experience in lending/underwriting and strong credit risk management skills.
The predicted salary is between 50000 - 60000 £ per year.
Working Hours: Standard (09:00am-17:30pm)
Office or Field Based: Office Based (Cheadle, SK8 3GW)
Contract type: Permanent
Benefits of working at Charles Street:
- 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
- Free access to company holiday homes
- Buy & sell holidays
- Discretionary annual bonus plus an additional Shared Reward Bonus
- Life assurance and Critical illness cover
- Travel season ticket loans and Ride to work scheme
- Free local gym access
- Local bar / restaurant discounts
Company Description:
Charles Street Finance ("CSF") is a specialist secured lender based in Cheadle, South Manchester. Established in 1983, we’re a small team but have doubled the size of the loan book over 2 years such that we are seeking to grow and enhance the existing personnel in key areas to further facilitate our ambitions. We are all about a common-sense proposition built around attention to detail and speed of response whilst always putting the customer at the heart of everything we do. A can-do approach fuels our speed of response from enquiry through to payment. Honesty and integrity are fundamental principles across the customer journey and the many long-standing relationships we have cultivated are testament to our service levels and reliability.
Job Description:
As our Lending Manager, you will look after our Sub Charge Lending business, focused on managing the Sub-Charge product and portfolio. With oversight and management of our Sub-Charge Lenders, you will support the business to make good lending decisions for Sub-Charge, whilst providing outstanding customer service. Covering Bridging finance, Buy-to-let, commercial mortgages, Development Loans.
As our Lending Manager, we are looking for someone to:
- Manage the Charles Street Sub-Charge business: including the review and onboarding of new Lenders
- Ensure the successful management of the Sub-Charge Lending portfolio – evaluating, approving and escalating loan applications on a case-by-case basis.
- Co-ordinating audits, supporting processes and policies to ensure efficient and effective operations.
- Overseeing the legal and on-boarding process from inception through to completion
- Portfolio and relationship manage all Sub-Charge Lenders; attending regular meetings and evaluating their credit worthiness
- Underwriting Sub-Charge mortgages with recommendations provided to mandate holders
- Manage the application and performance of aggregate credit limits (ACLs) across the Sub-Charge lenders
- Managing Sub Charge lenders MI & reporting requirements, ensuring MI received, reviewed and reported upon in a timely manner and, where necessary escalated with recommendation provided to Senior Management
Qualifications:
- Lending/underwriting experience across residential and commercial assets
- Ability to assess portfolio risk for both existing and potential exposures
- Strong understanding of credit risk management principles across the credit lifecycle
- Ability to pro-actively maintain and analyse accurate portfolio MI
- Leadership experience of managing/working as part of a high performing corporate lending team
- Ability to influence at all levels
- Experience of working in the specialist lending / bridging industry
If you feel you have some of the skills mentioned above, but not all, please do still apply and we would be happy to have a further discussion with you regarding your suitability for the role.
Additional Information:
Charles Street embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills. If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process. Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
Corporate Real Estate Lending Manager in Manchester employer: Together
At Charles Street Finance, we pride ourselves on being an excellent employer, offering a supportive work culture that values integrity and customer service. Our Cheadle office provides a range of benefits including generous holiday allowances, access to company holiday homes, and opportunities for professional growth within a dynamic team. With a commitment to diversity and inclusion, we ensure that every employee feels valued and empowered to contribute to our success.
StudySmarter Expert Advice🤫
We think this is how you could land Corporate Real Estate Lending Manager in Manchester
✨Tip Number 1
Network like a pro! Reach out to your connections in the corporate real estate lending space. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching Charles Street Finance thoroughly. Understand their values, products, and recent developments. This will help you tailor your answers and show that you’re genuinely interested in being part of their team.
✨Tip Number 3
Practice your pitch! Be ready to explain how your experience aligns with the role of Lending Manager. Highlight your skills in managing portfolios and making sound lending decisions. Confidence is key, so rehearse until it feels natural.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re serious about joining the team at Charles Street. Let’s get you that interview!
We think you need these skills to ace Corporate Real Estate Lending Manager in Manchester
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Lending Manager role. Highlight your lending and underwriting experience, especially in residential and commercial assets. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your experience can contribute to our team at Charles Street. Keep it concise but impactful.
Showcase Your Customer Focus:Since we put customers at the heart of everything we do, make sure to include examples of how you've delivered outstanding customer service in your previous roles. We love a can-do attitude!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates from us!
How to prepare for a job interview at Together
✨Know Your Stuff
Make sure you understand the ins and outs of corporate real estate lending. Brush up on key concepts like bridging finance, buy-to-let, and commercial mortgages. Being able to discuss these topics confidently will show that you're serious about the role.
✨Showcase Your Experience
Prepare specific examples from your past work that highlight your lending and underwriting experience. Talk about how you've managed portfolios or assessed credit risk. This will help demonstrate your ability to handle the responsibilities of the Lending Manager position.
✨Emphasise Customer Focus
Since Charles Street puts customers at the heart of everything, be ready to discuss how you've provided outstanding customer service in previous roles. Share stories that illustrate your can-do approach and how you've built long-standing relationships with clients.
✨Ask Smart Questions
Prepare thoughtful questions about the company culture, team dynamics, and future growth plans. This shows your genuine interest in the role and helps you assess if it's the right fit for you. Plus, it gives you a chance to engage with your interviewers on a deeper level.
