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 85500 - 104500 £ 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.
For further information, please contact
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Head of Sales, Credit in London employer: Wintermann Search
As an international bank, we pride ourselves on fostering a dynamic and inclusive work environment that encourages professional growth and development. Our Treasury Operations Department offers employees the opportunity to engage in meaningful projects while collaborating with talented teams, ensuring a rewarding career path. Located in a vibrant city, we provide competitive benefits and a supportive culture that values innovation and operational excellence.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Sales, Credit in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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Don’t shy away from reaching out directly to firms like Wintermann Search. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Head of Sales, Credit in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Wintermann Search.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Wintermann Search's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Wintermann Search
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Wintermann Search.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Wintermann Search will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Wintermann Search employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
