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Credit Manager – Property Development Finance, Lincoln
Location: Lincoln, United Kingdom
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 commercial lender with nationwide coverage, financing Property Investors, Developers, and SMEs to help them grow. Recognized as one of the UK’s top 100 fastest-growing technology companies in the Sunday Times Tech Track 100 for 2 consecutive years.
Role Purpose:
As a Credit Manager, you will maintain the credit quality of new loans using the Company’s Credit Models and Policies, ensuring lenders do not take undue risks. 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 practices.
* Ensure all credit reports comply with policies.
* Report exceptions and provide recommendations.
* Advise on concentration risks and mitigation.
* Identify and suggest improvements for policies and procedures.
* 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.
* Address lender questions via website Q&A.
* Coordinate with the Deal team for loan progression.
* Check loan agreements for compliance before release.
* Ensure conditions are met before loan drawdown.
* Attend departmental meetings to promote credit knowledge.
* Monitor post-deal development loans.
* Provide redemption figures and loan statements.
* Attend client meetings when appropriate.
* Support and train new staff.
Skills & Knowledge Required:
* Extensive property development funding credit experience.
* Ability to make informed decisions on deals.
* Commercial awareness.
* Strong decision-making skills.
* Excellent communication skills.
* Understanding of how credit issues affect the business.
* Attention to detail and accuracy.
* Organizational skills and responsibility.
* Proficiency in Microsoft Word and Excel.
* GCSE level education or equivalent.
* Experience in FCA-regulated environments.
* Experience in financial services roles.
* Knowledge of loan, security, and financial documents.
Future & Reward:
* Join a stable, growing business with a collaborative team environment.
* Career growth opportunities.
* Competitive salary, bonus, pension, healthcare, life cover, and other benefits.
* Flexible working hours and good work-life balance.
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