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Credit Manager – Property Development Finance, Chelmsford
Job Details:
* Client: [Client information not provided]
* Location: Chelmsford
* Job Category: Other
* EU work permit required: Yes
* Job Views: 2
* Posted: 06.06.2025
* Expiry Date: 21.07.2025
Job Description:
Credit Manager – Property Development Finance
The Company:
An established, highly successful, and rapidly growing FinTech. A commercial lender with nationwide coverage, financing Property Investors, Developers, and SMEs to support their growth. Recognized as one of the UK’s top 100 fastest-growing technology companies in the Sunday Times Tech Track 100 for two consecutive years.
Role Purpose:
Responsible for maintaining the credit quality of new loans using the Company’s Credit Models and Policies, minimizing undue risk with the Company’s capital. Extensive knowledge and experience in development finance are required.
Role Responsibilities:
* Adhere to sanction limits per the Company’s sanctioning matrix.
* Assist in developing and recommending loan objectives, policies, and procedures for Board approval.
* Ensure compliance of all new Credit reports with the Company’s policies.
* Report and advise on exceptions and risks, suggesting mitigants.
* Identify policy and process shortcomings and recommend improvements.
* Stay informed about rates, activities, and regulatory issues to inform decision-making.
* Maintain day-to-day risk controls.
* Conduct pre-application discussions with Relationship Directors.
* Participate in Deal Forum and Borrower Review Forum.
* Respond to pricing requests and credit report reviews within SLAs.
* Respond to lender questions via website Q&A.
* Coordinate with the Deal team to ensure timely loan progression.
* Review loan agreements for compliance before release.
* Verify all conditions prior to loan drawdown.
* Participate in internal meetings to promote credit knowledge.
* Monitor post-deal development loans and provide updates.
* Provide redemption figures and loan statements.
* Attend client meetings and support new staff training.
Skills & Knowledge:
* Extensive property development funding credit experience.
* Ability to make informed decisions on new deals.
* Commercial awareness and a proactive approach.
* Strong decision-making and communication skills.
* Attention to detail and organizational skills.
* Proficiency in Microsoft Word and Excel.
* GCSE level education or equivalent.
* Experience in FCA-regulated environments and financial services.
* Excellent knowledge of loan, security, and financial documents.
Future & Reward:
* Join a stable, growing business with a positive team environment.
* Opportunities for career advancement.
* Competitive salary, bonus, pension, healthcare, life cover, and flexible working hours.
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