Credit Manager – Real Estate and Social Housing
Santander UK
5d ago

Why apply for this role?

In this varied role, you’ll be responsible for underwriting a range of real estate and social housing facilities, both commercial and corporate.

You’ll assess transactions and provide complete recommendations for senior management or credit committee approvals. You’ll be given a good degree of autonomy enabling you to support the sanctioning of deals within your own discretion.

If you’re someone who’s performed a similar role already and have corporate credit knowledge, this is the perfect opportunity to develop your career.

What you’ll be doing

  • Analysing, evaluating and approving real estate and social housing applications, ensuring robust and consistent standards of credit underwriting
  • Ensuring all relevant financial and non-financial aspects are considered to ensure that all risks are identified
  • Formulating an independent view and challenging Relationship Directors and Managers from both a credit risk and business case perspective
  • Challenging and confirming internal rating assessments completed by Front Office
  • Ensuring credit ratings are reflective of the risks and consistently applied - assume the role of Risk Models champion
  • Identifying, assessing and managing underperforming clients, adopting appropriate early warning tools and measures where necessary
  • What we’re looking for

  • Underwriting experience in a range of commercial and corporate facilities; real estate and / or social housing sector knowledge is desirable
  • Experience in providing complete recommendations for senior management
  • Ability to support the development, testing, embedding, and enhancing of the bank’s Strategic Risk Systems
  • Strong communication skills both orally and written form able to articulate in a coherent manner
  • Effective time management, demonstrating the ability to continually prioritise workloads and exceed prescribed deadlines
  • What else you need to know

    Given the recent impact of the Coronavirus outbreak we will be conducting all interviews via telephone or video-conference where possible.

    This role can be based in London, Manchester or Leeds.

    How we’ll reward you

    As well as a competitive salary, you’ll enjoy a benefits package that you can tailor to your needs.

  • Eligible for a discretionary performance-related annual bonus
  • Pension with generous contributions of up to 12.5% from Santander, depending on your own contribution and length of employment with us
  • 30 days holiday plus bank holidays, with the option to purchase up to 5 contractual days per year
  • £6,000 car allowance per year
  • Company funded individual private medical insurance
  • Voluntary healthcare benefits at discounted rates such as private medical insurance for your family, dental insurance, healthcare cash plan and health assessments
  • Benefits supporting you and your family, such as death-in-service benefit, income protection, and voluntary life assurance and critical illness cover
  • Share in Santander’s success by investing in our Sharesave and Partnership shares plans
  • For more information about our wide range of benefits and family friendly policies visit our website.

    Why Santander?

    At Santander, with only a small action or a simple idea, you can achieve great things. You can improve the daily life of more than 140 million people.

    You can collaborate with a friendly team of more than 200,000 employees.

    It doesn’t stop there. You’ll also be part of a vibrant organisation that’s been reinventing itself for more than 160 years.

    One that invests millions of pounds in training its people every year. One that helps more than 2 million people every year with social programmes.

    We call it #TheSantanderEffect.

    Equal Opportunities

    Santander are an equal opportunities employer. When we talk about diversity, we don’t just want to pay lip service. Our customers come from a wide range of backgrounds, and so do our people.

    It’s important to us that we create an inclusive culture where everyone counts, and we particularly welcome applications from different underrepresented groups.

    For more information on our commitment to equal opportunities, please visit our diversity page here.

    What to do next

    If this sounds like a role you’re interested in, then please apply on the link below.

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    Santander Universities has donated over £88m to 86 UK partner universities since 2008.

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