Commercial Business Manager
Location: Harrow
Salary: £70,000 per annum
Contract: Permanent
We are seeking an experienced Commercial Business Manager to join our growing team in Harrow. This is a key role within our origination function, responsible for generating, assessing, and managing commercial lending opportunities while building and maintaining strong introducer and client relationships.
Key Responsibilities
Originate Commercial Real Estate credit proposals (up to £20m) and Development Finance proposals (up to £10m).
Develop and maintain strong introducer networks including brokers, accountants, solicitors, and valuers, with accurate database management.
Undertake initial assessment and processing of commercial lending proposals, providing clear recommendations to senior management.
Liaise with internal credit teams for underwriting and present proposals to approval committees.
Conduct site visits and prepare reports to minimise credit risk.
Maintain an active pipeline of proposals, ensuring disbursement targets are achieved.
Monitor market conditions to identify opportunities or risks, and make recommendations.
Ensure credit decisions meet regulatory standards, Treating Customers Fairly (TCF) principles, and customer-first standards.
Provide credit training to branch teams to ensure policy understanding.
Work closely with solicitors, valuers, and credit administration to ensure smooth end-to-end processing of proposals.
Present to risk and management committees on new or renewed products.
Requirements
3-5 years' experience in underwriting or assessing credit proposals.
Strong knowledge of the UK regulatory framework and commercial lending environment.
Established introducer relationships across multiple sectors.
Proficiency in Microsoft Office.
Strong communication skills with the ability to summarise complex arguments and balance risk with business needs.
Highly organised, detail-oriented, and capable of working independently or within a team.
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