Senior Credit Manager

Whats in it for you 

Were a forwardthinking organisation that takes a flexible approach to lending across a wide range of property sectors. From retirement homes to student accommodation (PBSA) care homes to residential developments our appetite for new opportunities is diverse and we take pride in shaping our own deals. 

For an experienced Credit Manager this is an opportunity to get creative and become part of an innovative team that is constantly looking at new opportunities to provide flexible funding solutions across the UK. The Credit Team are involved in the endtoend deal process from origination to negotiation of legal through to land loan completion.

The team 
The Credit team consists of 3 Credit Managers reporting to a Head of Development Credit. Youll be part of a wider Commercial and Development lending team of 21 people that includes origination and portfolio management teams. 
 

What will you be doing

• Work with our origination colleagues to structure new loans ensuring they work for both the client and our risk appetite.  
• Write and present detailed credit papers outlining the key risks and mitigants for a deal with a clear recommendation.  
• Manage and analyse all the diligence streams for a transaction including valuation reports QS reports and legal documents. Lead legal negotiations with lawyers and borrowers.  
• Contribute to the growth of the team through increasing the size of the loan book continuously improving processes and designing and implementing new loan products

Qualifications :

• A detailed understanding of property finance including development and property investment
• Experience in underwriting/ credit analysis and executing loans.
• Strong credit and risk analysis with the ability to identify and mitigate any early warning signals 
• Highly numerate with a good understanding of development cashflows/ financial accounts.
• Due Diligence management and analysis (Legal Valuation and QS reports) 
• Confidence and the ability to manage and build rapport with all stakeholders 
• Team player with the ability to work across several workstreams simultaneously
• Excellent report writing and general communication skills  
• Ambitious with a good understanding of the UK property market 

Additional Information :

What we offer

A competitive salary bonus pension and share incentive plan 
Untracked holiday 
Hybrid working   most of our people spend 3 days a week in the office
Anchor (our wellness hub) which includes Headspace one to one coaching through Wellness Cloud Digital GP & more 
Up to 6 months paid parental leave regardless of gender 
Life insurance critical illness cover and income protection 
Private medical insurance for you and your family 
Electric vehicle leasing 
The option to work overseas up to a month per year 

Our Values 
At our core we believe that how a company behaves is just as important as what it does. Thats why we chose to become an accredited B Corp (the equivalent of a Fairtrade coffee stamp but for companies) and to change our Articles of Association so that the interests all our stakeholders employees customers communities environment and shareholders are considered in every decision we make. 

We are committed to building a workplace where diversity is valued and inclusion is a priority. By providing equal opportunities for growth and development we embrace and celebrate all races genders religions sexual orientations ages disabilities and socioeconomic backgrounds. We believe teams achieve their best when every member feels safe respected and empowered to be their authentic selves.

Were proud to be disability confident and are committed to supporting candidates with a disability including neurodiversity and mental health conditions throughout the recruitment process. Applicants are welcome to optin to the disability confident scheme as part of our application process. If you require any adjustments to the interview process well be happy to accommodate where possible.

Remote Work :

No

Employment Type :

Fulltime