At a Glance
- Tasks: Lead the sales team in originating credit opportunities and managing client relationships.
- Company: Dynamic financial institution focused on property debt finance.
- Benefits: Competitive salary, career growth, and a collaborative work environment.
- Other info: Join a diverse team committed to equal opportunities and professional development.
- Why this job: Make a significant impact in the real estate finance sector while driving business growth.
- Qualifications: 8+ years in finance/credit origination with strong analytical and relationship management skills.
The predicted salary is between 80000 - 100000 £ per year.
Our Client is currently searching for a Head of Sales for their Credit Department. Details below:
Areas of Responsibilities
- To originate credit opportunities, primarily in property debt finance (buy-to-let and development finance) through own network and market outreach.
- This will involve sourcing new BTL lending opportunities through brokers, property developers, introducers, and direct client relationships using own network and through wider market outreach and contribute to the growth of the Bank’s credit portfolio.
- To evaluate borrower requirements and propose suitable lending solutions in line with Bank policies.
- To structure and originate real estate finance transactions from sourcing to disbursement.
- Develop and maintain a pipeline of professional landlords, SPVs, LLPs, and property-investment clients investing in UK residential property.
- To develop and maintain relationships with real estate brokers, institutional funders, and property investors.
- Conduct client meetings to understand investment goals, rental yield expectations, and financing needs.
- To ensure adherence to KYC, AML, and all regulatory requirements related to lending.
- Collect and verify all documents required for BTL underwriting (income proofs, tenancy agreements, property valuations, rental projections, portfolio master and overall leverage of the prospective borrower).
- Conduct initial deal screening, including borrower profile, rental yield, LTV, DSCR, and asset quality.
- Conduct preliminary affordability and rental coverage assessments in line with Bank’s internal loan policy and UK PRA BTL affordability rules.
- Prepare indicative term sheets and negotiate commercial terms within bank policy.
- Manage a portfolio of professional landlords, SPVs, LLPs, and property-investment clients from both residential and commercial real estate segment, depending on the bank’s focus from time to time.
- Liaise with valuers, solicitors and brokers to ensure smooth processing and faster conversion of leads.
- To coordinate with internal teams (Credit Risk, Compliance, Legal) for timely approvals and disbursements.
Description of Duties
- Work closely with Credit Department team, Branch Team and Compliance & risk teams for smooth onboarding of clients.
- Drive growth of the Bank’s real estate credit portfolio through proactive lead generation, market outreach, and strong pipeline management.
- Build and leverage relationships with brokers, developers, and institutional clients to originate high-quality lending opportunities, including portfolio deals.
- Achieve assigned business targets by structuring and closing credit transactions in coordination with internal stakeholders.
- Conduct preliminary financial and commercial assessments to ensure viability and alignment with the Bank’s risk appetite.
- Lead deal execution, including preparation of proposals, liaison with credit teams, and timely conversion of opportunities into disbursements.
Skills and Experience
- High level of integrity and compliance orientation.
- Minimum 8+ years of experience in finance / credit origination.
- Knowledge of FCA and PRA regulatory frameworks.
- Strong understanding of UK Buy-to-Let mortgage (unregulated) market, including Rental stress tests, ICR (Interest Coverage Ratio), Portfolio landlord rules and Property valuation processes.
- Strong analytical ability for credit assessment.
- Familiarity with UK property market trends and NRI investment patterns.
- Strong network with real estate brokers, institutional funders, and property investors.
- Ability to work with brokers and intermediaries.
- Proven track record in generating credit leads and growing loan portfolios.
- Strong understanding of property finance, lending structures, and UK market.
- Proficiency in financial modelling and credit analysis.
- Excellent communication, negotiation, and relationship management skills.
- Strong analytical mindset with attention to detail.
Profile Requirement
- Minimum 8 years of post-qualification experience in corporate credit and credit sales, with strong exposure to sourcing and managing high-value credit relationships.
- Proven track record in handling medium to large corporate clients, including credit appraisal, structuring, and end‑to‑end deal execution.
- Experience in leading sales teams, driving business growth, and achieving credit portfolio targets is essential.
Qualifications
- Graduate (any discipline) from a government‑recognized University or Institution and/or MBA (Finance) / PGDBA / PGDBM / CA / CFA / ICWA.
Our client is an equal opportunities employer, and ensures that no applicant is subject to less favourable treatment on the grounds of gender, marital status, race, colour, nationality, ethnic or national origins, age, sexual orientation, responsibilities for dependants, physical or mental disability. Candidates are selected for interview based on their skills, qualifications and experience. Please note that we can only consider candidates who are eligible to work in the UK and are able to provide relevant supporting documentation.
Head of Sales, Credit employer: Wintermann Search
Our client is an exceptional employer, offering a dynamic work environment that fosters collaboration and innovation within the Credit Department. With a strong commitment to employee growth, they provide ample opportunities for professional development and career advancement, all while maintaining a culture of integrity and compliance. Located in the heart of the UK property market, employees benefit from a vibrant network of industry connections and the chance to make a meaningful impact in real estate finance.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Sales, Credit
✨Tip Number 1
Network like a pro! Get out there and connect with brokers, property developers, and other industry players. Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. The more people you know, the better your chances of landing that Head of Sales role.
✨Tip Number 2
Show off your expertise! When you get the chance to chat with potential employers or during interviews, make sure to highlight your knowledge of the UK Buy-to-Let market and your experience in credit origination. Share specific examples of how you've successfully managed high-value credit relationships.
✨Tip Number 3
Prepare for those client meetings! Understand their investment goals and financing needs inside out. This will not only help you build rapport but also demonstrate your commitment to providing tailored lending solutions that align with their objectives.
✨Tip Number 4
Don’t forget to apply through our website! We’re all about making connections and helping you find the right fit. Plus, it shows you’re serious about the opportunity and gives us a chance to see your application in action.
We think you need these skills to ace Head of Sales, Credit
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Head of Sales role in the Credit Department. Highlight your experience in property debt finance and any relevant achievements that showcase your ability to drive growth in a credit portfolio.
Craft a Compelling Cover Letter:Your cover letter should tell us why you're the perfect fit for this role. Use it to explain how your background aligns with the responsibilities listed, especially your experience with brokers and property investors.
Showcase Your Network:We want to see your connections! Mention your network with real estate brokers and institutional funders in your application. This can really set you apart as someone who can hit the ground running.
Apply Through Our Website:Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re serious about joining our team!
How to prepare for a job interview at Wintermann Search
✨Know Your Stuff
Make sure you brush up on your knowledge of the UK Buy-to-Let mortgage market and the relevant regulatory frameworks like FCA and PRA. Being able to discuss these topics confidently will show that you're not just familiar with the industry, but that you’re also serious about the role.
✨Network Like a Pro
Since this role involves leveraging relationships with brokers and property investors, it’s crucial to come prepared with examples of how you've built and maintained such connections in the past. Share specific instances where your networking led to successful credit opportunities.
✨Showcase Your Analytical Skills
Be ready to demonstrate your analytical abilities, especially in credit assessment and financial modelling. Prepare to discuss how you've conducted preliminary financial assessments and structured deals in previous roles, as this will be key to your success in the interview.
✨Prepare for Scenario Questions
Expect questions that ask you to walk through your approach to originating credit opportunities or managing client relationships. Practise articulating your thought process and decision-making strategies, as this will help you stand out as a candidate who can drive growth effectively.
