Senior Credit Partner

About us

Join one of the UK’s fastest growing and award-winning banks.

We are a team of ambitious, passionate, hardworking, and committed people who have successfully created and launched one of the UK’s newest specialist property finance banks. As we embark on an exciting journey of growth, we are seeking exceptional new team members who possess both the ambition and drive to contribute to our vision. At GB Bank, we believe that career progression should not only be achievable but accelerated, enabling our employees to reach their potential in a supportive and dynamic atmosphere.

Our environment is fast-paced and collaborative, where your efforts are recognised, rewarded, and make a tangible impact. We take pride in fostering and open and inclusive culture that not only embraces change but also encourages continuous learning and professional development.

In this role, you will:

Review and underwrite loan applications for our full range of property finance solutions. This will include specialist Buy To Let loans, bridging finance and commercial mortgages.

Key areas of responsibility:

• Communicating and working effectively with Relationship Managers, Customers, Solicitors, Valuers and Brokers to gather information needed to make lending decisions.

• Reviewing the suitability of loan applications based upon a detailed risk analysis and assessment of repayment capacity.

• Using your delegated lending mandate to underwrite property-backed lending transactions, further advances and account reviews in line with GB Bank Lending Policy, Treating Customers Fairly (TCF) and responsible lending principles.

• Ensuring that all applications are structured to manage key risks, complete with appropriate conditions. Recording a robust rationale for each lending decision.

• Preparing cases that fall outside your personal lending mandate and presenting to appropriate mandate holders, including Credit Decisioning Committees where required.

• Proactively supporting post-underwriting case progression (e.g. oversight of property due-diligence and documentation), as well as supporting post-completion processing and case management (further drawdowns, covenant monitoring and account reviews).

• Reviewing the suitability of security, property valuations and other specialist reports. Liaising with valuation and legal panel firms, as appropriate.

• Identifying potential improvements to underwriting systems, policies, criteria and processes.

• Ensuring that MI and systems are updated accurately and in a timely manner.

A bit about you – You are/have:

• Minimum 12 months experience operating with a lending mandate in a lending underwriting environment covering a variety of sectors, including Real Estate.

• Proven track-record in a SME/Corporate client focused credit environment, ability to respond to client needs and tailor service delivery to them.

• Recent in-depth knowledge of property transactions with an understanding of whole life-cycle risk management.

• Full understanding of legal and valuation processes along with wider commercial risk issues.

• You’re driven by quality and pace and have a strong desire to exceed expectations.

• Proactive and infectiously positive – you build relationships by truly understanding what people need and by fulfilling your promises.

• Driven by a desire to ensure your work makes a difference and has an enduring impact.

• Laser-focused attention to detail - you are planned, prepared, and can effectively handle competing priorities.

• Strong analytical skills which will mean you can extract meaningful data, convey it with clarity and make sure action is identified and taken.

• Excited by the opportunity to work in a start-up bank with a strong purpose.

• Confident – able to be pragmatic and exercise good judgement.

• Strong organisational and time management skills with the ability to structure workloads efficiently, adapt to shifting priorities, and maintain productivity under pressure.

What we can offer you:

• 8% company pension contribution and 3% individual contribution (which you can opt to increase)

• 25 days holiday every year plus bank holidays on top

• Private medical cover with BUPA - includes no excess + you can add family through salary sacrifice

• Death in service at 4 x base salary with Aviva

• Mental health support - through a helpline and counselling sessions

• Enhanced maternity, paternity and adoption leave

What else do I need to know?

• Location: Mayfair, London (4+ days in the office)

• Salary: Competitive

• Hours: 35 Hours per week

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates, regardless of their age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital/civil partnership status, or pregnancy and maternity.

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