The Company:

A UK specialist commercial bank that provides banking services for small and medium-sized businesses (SMEs)

The Role:

The Senior Credit Approver is a high-profile role where you'll assess and approve complex lending transactions across property investment, development finance, bridging, structured finance. You will work closely with senior stakeholders across the Bank, influence significant credit decisions, and play a key role in protecting and growing the lending portfolio.

The Senior Credit Approver role is an opportunity to move beyond pure transaction underwriting and become a trusted credit partner to the business.

The Senior Credit Approver will support the structuring of complex deals, contribute to senior credit committees, influence portfolio strategy, and help shape the future of the credit framework within development finance.

The Senior Credit Approver will assess and approve complex real estate-backed lending transactions. Support Frontline Bankers to structure deals that balance growth and risk. Exercise delegated lending authority across a diverse portfolio.

The Senior Credit Approver will present cases to Executive Credit Committee. Review portfolio performance and identifying emerging risks. Act as a subject matter expert on credit underwriting and portfolio management.

Lead improvements to credit processes, policies and governance frameworks. Build strong relationships with stakeholders across the Bank.

The Candidate

Strong experience in Property Lending and Development Finance.

Experience sanctioning commercial lending within a UK bank.

Deep knowledge of development finance and commercial real estate lending.

Proven experience operating within a second line credit function.

Excellent credit analysis and financial assessment skills.

Strong understanding of credit risk, governance and regulatory requirements.

The confidence to challenge, influence and make well-reasoned lending decisions