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Credit Manager – Property Development Finance, Watford, Hertfordshire
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 risk. Extensive development finance knowledge and experience are required.
Responsibilities:
* Adhere to Sanction Limits per the Company’s sanctioning matrix.
* Assist in developing loan objectives, policies, and procedures for Board approval.
* Ensure all Credit reports comply with policies and guidelines.
* Report exceptions and recommend mitigants for new business opportunities.
* Identify and suggest improvements for policy and process shortcomings.
* Stay informed of current rates, activities, and regulatory issues.
* 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 within SLAs.
* Review Sighting Papers and Credit Reports, providing clear reasons for approval or decline.
* Respond to lender questions via website Q&A.
* Coordinate with the Deal team to ensure timely loan progress.
* Verify compliance of all loan agreements before release.
* Ensure all Conditions Precedent are met prior to drawdown.
* Attend departmental meetings to promote credit knowledge.
* Manage post-deal monitoring for development loans.
* Provide redemption figures and loan statements.
* Attend client meetings as appropriate.
* Support and train new relationship staff.
Skills & Knowledge:
* Extensive property development funding credit experience.
* Ability to make informed decisions on new deals.
* Commercial awareness and 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.
* Knowledge of loan, security, and financial documents.
Future & Rewards:
* Join a stable, growing business with a collaborative team environment.
* Opportunities for career advancement.
* Competitive salary, bonus, pension, healthcare, life cover, and flexible working hours.
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