{"id":889750,"url":"https://alion.io/job/castletrust-property-credit-manager","title":"Property Credit Manager","company":{"id":672785,"name":"Castle Trust Bank","domain":"castletrust.co.uk","url":"https://alion.io/company/castletrust","size_band":"51-200","is_staffing_agency":false,"is_intermediary":false,"ats_vendor":"Workable","truth_index":null},"role":"Finance","role_family":"Finance","seniority":null,"employment_type":"full_time","work_mode":"hybrid","remote_scope":null,"hiring_geo_confidence":"structured","locations":["Basingstoke, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":43000,"max_usd":115000,"period":"year","method":"role_country_seniority_unknown","sample_n":219},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-08-25T00:00:00Z","employer_posted_date":"2026-08-25","last_verified_at":"2026-09-23T17:27:34Z","board_verified":true,"closed_at":null,"days_open":29,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":29},"description":"“Shape Credit Decisions. Influence Policy. Drive Excellence”\nAt 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.\nThe role and what you’ll be doing:\nWe'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.\nWith 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.\nThis role is based in our Basingstoke office on a hybrid basis working 4 days in the office and 1 day from home.\nCredit Underwriting & Decision Making\nAssess and approve property lending proposals within a delegated mandate of up to £5 million.\nEnsure lending decisions align with risk appetite, lending policy and regulatory requirements.\nDeliver robust, balanced credit assessments across a range of specialist property lending products.\nEscalations & Referrals\nAct as the primary referral point for cases outside delegated authority.\nPresent recommendations and rationale to senior stakeholders and relevant approval committees.\nSupport timely, commercially balanced decision making on complex cases.\nStakeholder Management\nBuild strong relationships across Origination, Operations and Risk functions.\nAct as a trusted adviser on policy interpretation and credit risk matters.\nInfluence decision making through expert technical knowledge and sound judgement.\nPolicy Ownership & Governance\nOwn the ongoing review and development of lending policy.\nEnsure policies remain aligned to regulatory requirements, market conditions and risk strategy.\nCommunicate policy updates and support consistent application across the business.\nContribute to governance forums, audits and risk reviews.\nUnderwriting Audit & Quality Assurance\nConduct regular reviews of underwriting decisions to ensure consistency and policy adherence.\nIdentify trends, development opportunities and areas for process improvement.\nProvide coaching, feedback and recommendations to continuously improve underwriting quality.\nSupport the maintenance of underwriting mandates, audit programmes and risk registers.\nWhat you’ll bring:\nWe 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.\nIn addition, you will have:\nEssential\nStrong technical underwriting experience across Buy-to-Let, Bridging and Specialist Residential lending. \nProven credit risk assessment and lending decision-making capability within delegated mandates. \nExperience operating within lending policies, governance frameworks and regulatory environments. \nPrevious underwriting experience with responsibility for coaching, mentoring or quality assurance activities. \nDemonstrable first-line risk ownership, including managing risks, controls, incidents and remediation actions. \nExperience managing service levels, pipelines and priorities within a fast-paced lending environment. \nUnderstanding of FCA, PRA, AML and wider regulatory requirements. \nStrong stakeholder management and influencing skills.\nDegree-level qualification or equivalent professional experience.\nWhy join Castle Trust Bank?\nCompetitive salary\nPerformance bonus (based on individual and company performance)\nGenerous contributory pension through Hargreaves Lansdown\nLife Assurance\n25 days’ holiday + option to buy/sell 5 days \n Additional paid volunteering day \nPrivate healthcare through Equipsme (includes cash back for Dental and Optical treatment)\nFree access to BHSF Rise EAP to support colleague health and wellbeing \nGym discounts\nSeason ticket travel loans (if applicable)\nA supportive, inclusive culture where your work has real impact\nCaught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank - The Place To Work!\nCastle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.\nWe are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact \nhttps://www.castletrust.co.uk/careers/who-we-are","description_format":"text","description_chars":5229,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Real Estate Investment","Banking"],"lifecycle":[{"event":"open","at":"2026-09-14T06:21:34Z"}],"liveness":{"score":50,"band":"ok","label":"Likely open","p_open":1,"p_active":0.561,"p_room":0.9,"age_days":29,"expected_fill_days":43,"reasons":["conf:0","win:mid"],"computed_at":"2026-09-23T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/castletrust-property-credit-manager","json_url":"https://alion.io/job/castletrust-property-credit-manager.json","meta":{"generated_at":"2026-09-23T19:23:44Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers"}}