Credit Officer

City of London | Salary Dependant on Seniority + Excellent Benefits Ready to take the next step in specialist property finance?

We're recruiting for an ambitious Credit Officer or Senior Credit Officer to join a successful specialist property finance lender. This is an opportunity to play a key role in credit decisions, working across bridging and development finance within a fast‑paced, collaborative environment that offers genuine progression.

Our client is a well‑established specialist property finance lender with an excellent reputation for delivering fast, flexible funding solutions. With ambitious growth plans and a strong track record, they offer a supportive, entrepreneurial culture where talented people can quickly develop their careers.

Reporting to the Head of Credit Operations, you'll review lending proposals from initial credit assessment through to handover into Asset Management. Working closely with Underwriters and senior stakeholders, you'll provide clear credit recommendations, maintain lending standards and help drive efficient deal execution.

• Review bridging and development finance applications.
• Assess valuations, legal documents and professional reports.
• Produce credit recommendations for Credit Committee.
• Ensure compliance with lending policy and risk appetite.
• Maintain accurate credit records and reporting.
• Support deal progression through to completion.
• Deliver smooth handovers to Asset Management.
• Provide technical guidance to colleagues where required.

• 25 days' holiday plus your birthday off
• Cycle to Work scheme
• Regular company socials
• Excellent career progression
• City of London office

• 2-5 years' experience within bridging, development finance or property lending.
• Credit, underwriting or credit analysis experience.
• Strong understanding of UK property‑backed lending.
• Ability to assess risk and make sound credit recommendations.
• Excellent analytical, communication and organisational skills.
• Collaborative approach with the confidence to support junior team members.
• Able to work predominantly from the office.

You'll join a growing lender where your work has real impact, your development is encouraged and progression into Credit Committee is a realistic next step.