Credit Officer - CRE & Housing - SME

TL;DR

Credit Officer - CRE & Housing - SME: Produce high-quality credit analysis, ongoing portfolio monitoring, and stakeholder engagement for real estate and housing clients up to £25m with an accent on sanction discretion, collaboration with front-line business, and balancing risk and reward. Focus on proactively monitoring portfolio performance, contributing to policy reviews, and improving team processes.

Location: Hybrid in Birmingham, Manchester, Edinburgh or Leeds (at least 2 days per week or 40% of time in office)

Salary: £67,023 - £74,470

Company

Evolving bank serving 26 million customers, investing billions in people, data, and tech to transform finance.

What you will do

• Exercise sanction discretion or provide recommendations to senior sanctioners.
• Collaborate with originators, relationship managers, and product partners to shape credit proposals.
• Support safe business growth while balancing risk and reward.
• Proactively monitor portfolio performance and communicate emerging risks.
• Contribute to policy, sector, and ad-hoc reviews with constructive challenge.
• Respond to queries from senior leaders and regulators on credit risk.
• Identify opportunities to improve ways of working.

Requirements

• Strong experience in RE&H sector with solid credit background and exposure to £10–25m+ deals
• High attention to detail and strong numeracy skills for fast-paced environment
• Confident communicator able to influence and build trusted relationships
• Comfortable challenging status quo and bringing improvements
• Confident decision-making with clear rationale in complex situations

Culture & Benefits

• Generous pension up to 15%, annual performance bonus, share schemes
• 30 days’ holiday plus bank holidays, adaptable lifestyle benefits
• Wellbeing initiatives, generous parental leave, menopause health package
• Commitment to diversity, equity, inclusion; Disability Confident Leader
• Reasonable adjustments for disabilities, flexible office attendance