Property Credit Manager

At Castle Trust Bank, we're committed to doing things differently. As an innovative challenger bank, we combine specialist lending expertise with a customer-first approach to deliver outstanding outcomes for our customers, brokers and partners. 

We're looking for an experienced Property Credit Manager to join our team. This is a unique opportunity to take ownership of complex credit decisions, influence lending policy, and play a key role in maintaining strong governance and risk management across our property lending portfolio. 

With delegated authority of up to £5million, you'll be trusted to make sound lending decisions while acting as a key bridge between our Front Line and Risk functions.

• Assess and approve property lending proposals within a delegated mandate of up to £5 million.
• Ensure lending decisions align with risk appetite, lending policy and regulatory requirements.
• Deliver robust, balanced credit assessments across a range of specialist property lending products.

• Act as the primary referral point for cases outside delegated authority.
• Present recommendations and rationale to senior stakeholders and relevant approval committees.
• Support timely, commercially balanced decision making on complex cases.

• Build strong relationships across Origination, Operations and Risk functions.
• Act as a trusted adviser on policy interpretation and credit risk matters.
• Influence decision making through expert technical knowledge and sound judgement.

• Own the ongoing review and development of lending policy.
• Ensure policies remain aligned to regulatory requirements, market conditions and risk strategy.
• Communicate policy updates and support consistent application across the business.
• Contribute to governance forums, audits and risk reviews.

• Conduct regular reviews of underwriting decisions to ensure consistency and policy adherence.
• Identify trends, development opportunities and areas for process improvement.
• Provide coaching, feedback and recommendations to continuously improve underwriting quality.
• Support the maintenance of underwriting mandates, audit programmes and risk registers.

We are looking for someone with strong analytical and credit decision-making skills, excellent attention to detail, and the confidence to challenge constructively while building strong stakeholder relationships. You'll be highly organised, risk-aware and proactive, with experience using data and MI to support decisions, a commitment to strong governance standards, and a track record of driving continuous improvement and operational efficiency.

In addition, you will have:

• Strong technical underwriting experience across Buy-to-Let, Bridging and Specialist Residential lending.
• Proven credit risk assessment and lending decision-making capability within delegated mandates.
• Experience operating within lending policies, governance frameworks and regulatory environments.
• Previous underwriting experience with responsibility for coaching, mentoring or quality assurance activities.
• Demonstrable first-line risk ownership, including managing risks, controls, incidents and remediation actions.
• Experience managing service levels, pipelines and priorities within a fast-paced lending environment.
• Understanding of FCA, PRA, AML and wider regulatory requirements.
• Strong stakeholder management and influencing skills.
• Degree-level qualification or equivalent professional experience.