Credit Manager

Let Us Tell You a Bit About The Opportunity We’re looking for an experienced Credit Manager to join our Credit Underwriting team, supporting responsible lending across our property portfolio.

Reporting to the Head of Credit – CRE, you’ll assess and approve new lending applications alongside in-life client reviews and requests. You’ll play an important role in ensuring lending decisions align with our credit risk appetite, policy and delegated authority, while acting as a trusted adviser to colleagues across Credit, Risk and our customer-facing lending teams.

This is an opportunity to work on a broad range of property transactions, including high-value and complex cases, while helping us continually improve our lending decisions, risk management and service quality.

What will your day look like?

• Assessing and sanctioning new residential Buy-to-Let lending transactions in line with credit policy, delegated authority and agreed service levels.
• Reviewing and approving annual in-life reviews and ad hoc requests.
• Analysing property transactions across a broad range of values and structures.
• Structuring complex lending proposals and, where appropriate, presenting recommendations to the Head of Credit.
• Providing constructive challenge and guidance to customer-facing lending teams.
• Coaching and mentoring colleagues to strengthen credit knowledge and improve the quality of lending decisions.
• Providing second-line oversight of lending application data and supporting colleagues with IPRE slotting.
• Contributing to the development and maintenance of lending policy, credit controls and loss-management approaches.
• Supporting month-end reporting, project activity and wider underwriting priorities.
• Building effective relationships with senior stakeholders across first- and second-line teams.

What do we expect from you?

• Strong credit underwriting experience gained within property, real estate or a comparable lending environment.
• In-depth knowledge of property transactions and whole-life-cycle risk management.
• Experience of assessing high-value or complex lending structures, ideally within Commercial Real Estate.
• Confidence making balanced, evidence-based lending decisions within a delegated mandate.
• The ability to interpret credit policy, identify conduct and operational risks, and recommend appropriate mitigations.
• A demonstrable track record of improving credit quality, decision-making or lending processes.
• Strong stakeholder-management skills, with the credibility to challenge, influence and advise senior colleagues.
• A collaborative approach, with experience of coaching, mentoring or sharing technical knowledge.
• A proactive, self-starting mindset and a strong commitment to team delivery.
• An ACIB qualification, relevant degree or CeMAP qualification would be desirable but is not essential.

What can you expect from us? At Aldermore, you'll be part of a business where specialist expertise is valued, and where colleagues are empowered to make a real difference.

In return, you'll benefit from:

• Competitive salary and benefits package.
• Hybrid working, with the flexibility to work from our Manchester office
• Generous holiday entitlement.
• Pension scheme.
• Private medical insurance.
• Career development and progression opportunities.
• A collaborative and inclusive culture.

Let Us Tell You a Bit About Us We're Aldermore, the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.

We thrive by saying "yes" to our customers. We respect the ingenuity of entrepreneurs and their start-ups; we give first timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers choose MotoNovo Finance every week to buy their next car, van or motorbike.

Whatever your background, if you're looking to make an impact within a bank that's built on expertise, ambition and helping customers achieve more, we'd love to hear from you.