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Credit Manager – Property Development Finance, Luton, Bedfordshire
Company Overview:
An established, highly successful, and rapidly growing FinTech. A nationwide commercial lender financing Property Investors, Developers, and SMEs. 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, ensuring lenders do not take undue risk. Extensive development finance knowledge and experience are essential.
Responsibilities:
* Adhere to sanction limits according to the company’s sanctioning matrix.
* Assist in developing and recommending loan policies and establishing internal controls.
* Ensure compliance of credit reports with company policies.
* Report exceptions and provide recommendations.
* Advise on concentration risks and suggest mitigants.
* Identify and recommend improvements to policies and procedures.
* Stay informed on rates, activities, and regulatory issues.
* Maintain risk controls and conduct pre-application assessments.
* Participate in forums and respond to pricing requests within SLAs.
* Review and ensure loan documents meet conditions before release.
* Monitor post-deal development loans and client meetings.
* Provide training and support to staff.
Skills & Knowledge:
* Extensive property development funding credit experience.
* Strong decision-making skills and commercial awareness.
* Excellent communication, organizational skills, and attention to detail.
* Proficiency in Microsoft Word and Excel.
* GCSE level education or equivalent.
* Experience in FCA-regulated environments and financial services.
* Knowledge of loan, security, and financial documents.
Future & Rewards:
* Join a stable, growing business with a positive team environment.
* Opportunities for career advancement.
* Competitive salary, bonus, pension, healthcare, life cover, flexible hours, and other benefits.
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