Credit Risk Manager

Secure Trust Bank PLC; Cardiff; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A UK specialist lender is seeking a Credit Risk professional to lead the Real Estate Finance portfolio. The ideal candidate will have expertise in credit risk management and a strong understanding of regulatory frameworks. This role offers opportunities for career development in an inclusive environment that values diversity and innovation.

Benefits

Flexible working

Career development

Inclusive culture

Qualifications

• Proven experience in Real Estate Finance credit risk across development and investment lending.
• Strong understanding of credit principles and regulatory frameworks.
• Ability to influence and collaborate across teams.

Responsibilities

• Assess and decision Real Estate Finance lending transactions.
• Provide expert guidance on new lending requests and restructuring proposals.
• Maintain high credit standards and manage provisions.

Skills

Real Estate Finance credit risk

Communication skills

Commercial thinking

Continuous improvement

Job description

Overview

We’re looking for a passionate and experienced Credit Risk professional to help us grow our Real Estate Finance portfolio in a safe, sustainable, and strategic way. If you thrive in a collaborative environment, enjoy balancing commercial opportunity with sound risk judgement, and want to make a real impact—this could be the role for you.

What you’ll be doing:

• Acting as a key part of our second line of defence, you’ll assess and decision Real Estate Finance lending transactions across both Development and Investment sectors.
• Providing expert guidance on new lending requests, restructuring proposals, and supporting Relationship Directors through the credit approval process.
• Championing responsible growth by maintaining high credit standards and ensuring provisions remain within acceptable levels.
• Supporting senior leadership in evolving our risk structures and governance frameworks to enable joined-up, efficient working practices.
• Contributing to the development of new products, acquisitions, and ventures—ensuring compliance and risk alignment from the outset.
• Assisting the Head of Risk and Head of REF Risk with strategic projects and initiatives.
• Ensuring accurate and timely management information is delivered to ExCo.
• Staying ahead of regulatory changes and helping the business adapt effectively.
• Supporting clean internal and external audit outcomes through diligent process adherence.

What we’re looking for:

• Proven experience in Real Estate Finance credit risk, ideally across both development and investment lending.
• Strong understanding of credit principles, governance, and regulatory frameworks.
• Excellent communication skills with the ability to influence and collaborate across teams.
• A proactive mindset with a passion for continuous improvement and innovation.
• Ability to balance commercial thinking with robust risk management.

Why join us?

• Inclusive culture: We celebrate diversity and are committed to creating an environment where everyone feels they belong.
• Flexible working: We support hybrid working and flexible hours to help you balance work and life.
• Career development: We invest in your growth with tailored learning opportunities and clear progression paths.
• Purpose-driven: Be part of a business that puts customers, communities, and sustainability at the heart of everything we do.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952. In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate. Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.