Relationship Manager, Credit

Areas of Responsibilities

• Source and originate credit opportunities, primarily in property finance (Buy-to-Let and development finance), through brokers, introducers, developers, and direct client relationships.
• Actively generate new credit leads and contribute to building a strong and sustainable lending pipeline for the Bank.
• Engage with clients to understand funding requirements and propose suitable lending solutions in line with Bank policies.
• Support structuring of real estate finance transactions from origination through to disbursement.
• Develop and maintain relationships with professional landlords, SPVs, LLPs, and property investors.
• Conduct client discussions to assess investment objectives, rental yields, and financing needs.
• Perform initial screening of credit proposals including borrower profile, LTV, DSCR, rental yield, and asset quality.
• Carry out preliminary affordability and rental coverage assessments in line with internal credit policy and UK PRA guidelines.
• Collect and verify required documentation for underwriting (income proofs, tenancy agreements, valuations, rental projections, etc.).
• Assist in preparation of indicative term sheets and support negotiations within approved parameters.
• Liaise with brokers, valuers, and solicitors to ensure efficient processing and timely conversion of opportunities.
• Ensure compliance with KYC, AML, and all applicable regulatory requirements.
• Coordinate with internal teams (Credit Risk, Compliance, Legal) for smooth onboarding, approvals, and disbursements.

Description of Duties

• Work closely with Credit, Compliance, Risk, and Branch teams to support seamless client onboarding and transaction processing.
• Proactively identify and pursue new business opportunities to grow the Bank’s credit portfolio.
• Build and maintain strong relationships with intermediaries, brokers, and clients to generate consistent deal flow.
• Support achievement of business targets through effective pipeline management and deal execution.
• Assist in end-to-end execution of credit proposals, from sourcing to disbursement.

Skills and Experience

• High level of integrity with strong adherence to compliance and regulatory standards.
• 4–5 years of experience in credit, lending, or financial services, with exposure to credit origination/sales.
• Good understanding of UK Buy-to-Let mortgage market, including rental stress tests, ICR, & basic underwriting parameters.
• Familiarity with FCA and PRA regulatory environment.
• Strong ability to generate leads and build client relationships in the property finance space.
• Basic to intermediate credit assessment and financial analysis skills.
• Strong communication, interpersonal, and negotiation skills.
• Self-driven, target-oriented, and proactive approach to business development.

The responsibilities outlined above are indicative. The Relationship Manager – Credit will be required to undertake any additional responsibilities as assigned by the Head of Credit / Senior Management from time to time.

Profile Requirement

• Minimum 4–5 years of post-qualification experience in credit, banking, or financial services.
• Demonstrated ability to originate credit leads, build relationships, and contribute to portfolio growth.
• Exposure to handling client relationships and supporting credit proposals end-to-end is preferred.
• Strong inclination towards sales, business development, and credit structuring.

Qualifications

• Graduate (any discipline) from a government-recognized University or Institution and/or MBA (Finance) / PGDBA / PGDBM / CA / CFA/ ICWA (preferred).

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.