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Credit Manager – Property Development Finance, Cheltenham
Job Details:
* Client: [Client information not provided]
* Location: Cheltenham
* Job Category: Other
* EU work permit required: Yes
* Job Views: 1
* Posted: 22.08.2025
* Expiry Date: 06.10.2025
Job Description:
Credit Manager – Property Development Finance
The Company:
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 required.
Role Responsibilities:
* Adhere to sanction limits per the company’s sanctioning matrix.
* Assist in developing and recommending loan policies and procedures for Board approval.
* Ensure compliance of credit reports with policies.
* Report and advise on exceptions and risks.
* Identify and suggest improvements for policies and processes.
* Stay updated on rates, activities, and regulatory issues.
* Maintain risk controls daily.
* Conduct pre-application discussions with Relationship Directors.
* Participate in Deal Forum and Borrower Review Forum.
* Respond to pricing requests within SLAs.
* Review Sighting Papers and Credit Reports, providing reasons for approval or decline.
* Respond to lender questions via website Q&A.
* Coordinate with the Deal team to ensure timely loan processing.
* Verify compliance of new loan agreements.
* Ensure all conditions are met before loan drawdown.
* Participate in departmental meetings to enhance credit knowledge.
* Monitor post-deal activities for development loans.
* Provide redemption figures and loan statements.
* Attend client meetings as appropriate.
* Support and train new staff.
Skills & Knowledge Required:
* Extensive property development funding credit experience.
* Ability to make informed decisions on new deals.
* Commercial awareness.
* Confident decision-making skills.
* Strong communication skills.
* Understanding of how credit issues impact the wider business.
* Attention to detail and accuracy.
* Organizational skills and responsibility for workflow.
* 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, and other benefits.
* Flexible working hours and good work-life balance.
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