Senior Credit Manager

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. Want to be part of a bank built for the dynamics of the modern world


~ Care about society and the environment and want to be part of a business that cares too


~ We are seeking a Senior Credit Underwriter specializing in Real Estate and Development Finance to join our team in London. In this critical role, you will be responsible for evaluating and analysing complex real estate and development finance transactions, assessing credit risk, and making informed lending decisions.

~ Conduct comprehensive financial analysis of real estate and development projects to determine creditworthiness and risk levels


~ Evaluate loan applications, financial models, valuations, monitoring surveyor reports, and other relevant documentation to assess borrower's ability to repay


~ Perform detailed property and market analysis to determine asset values and potential risks


~ Structure loan terms and conditions based on risk assessment and organizational guidelines


~ Collaborate with internal teams, including relationship managers and legal counsel, to ensure thorough due diligence


~ Operate a delegated lending authority, opining on credit proposals for final decision


~ Prepare and present concise credit recommendations to senior management and credit committees


~ Stay current with market trends, regulatory changes, and best practices in real estate finance and credit underwriting


Bachelor's degree in Finance, Economics, or a related field; MBA or relevant master's degree preferred


~ Experience in credit underwriting, with a focus on real estate and development finance


~ Advanced skills in financial analysis, risk assessment, and credit modelling


~ Proficiency in real estate valuation techniques and loan structuring


~ In-depth knowledge of real estate markets and development finance


~ Strong understanding of regulatory requirements in lending and real estate finance


~ Experience with commercial real estate loans and development projects


~ Professional certifications such as CFA or FRM are a plus


~ Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment


~ Free access to Headspace, a mindfulness & meditation digital health app


~ Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause


~ EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health


~ Cycle to work scheme


~ Discounts on gym membership


~ Contributory pension scheme & death in service


Minimum of 27 days holiday per year


~ Option to buy or sell holiday days through our flexi-holiday scheme


~ Discounts on gym membership nationwide


~ Access to discounts on a range of high street and online brands


~ Community support and charitable giving


Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

~ Participation in our annual discretionary bonus scheme designed to reward your contribution to our success


~ Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done