Role Overview

Lead and manage direct and intermediated lending teams across commercial real estate products.
Provide strong leadership, mentoring and credit expertise to support team and business growth.
Build and maintain key internal and external relationships.
Own end-to-end portfolio performance, including origination, credit quality, margins and mix.
Ensure first-line adherence to credit appetite, underwriting standards and delegated authorities.
Drive the commercial strategy for real estate lending products across direct and intermediated channels, including product reviews, fair value assessments and new product launches.
Partner with the CCO to align the product suite with strategic objectives.
Define commercial and credit requirements for products and lead cross-functional delivery to ensure scalable implementation.
Work with Marketing and intermediaries to ensure propositions and collateral meet target market needs.
Lead the design and operational delivery of new lending propositions, ensuring robust, compliant and scalable processes.
Develop and oversee MI to monitor portfolio performance, credit quality, intermediary effectiveness and Consumer Duty outcomes.
Use data-driven insight to support pricing, benchmarking, horizon scanning and operational improvements.
Identify structural, policy or process enhancements to improve performance and manage risk.
Design, manage and evolve intermediary panel frameworks, including onboarding, performance monitoring and policy adherence.
Produce regular MI for compliance and committee reporting.
Work closely with Finance, Risk and Operations to align commercial objectives and delivery.
Act as the senior Lending representative in cross-functional forums.
Bring deep knowledge of specialist lending markets, products and competitors.
Demonstrate strong credit and structuring expertise across commercial and retail transactions.
Own and continuously enhance underwriting standards and credit policy in line with risk appetite and governance.
Identify opportunities to improve product performance, profitability and scalability.
Lead initiatives to enhance efficiency, automation and consistency across lending processes.
Contribute to strategic planning and commercial initiatives.

Requirements

Senior leadership experience in specialist or commercial real estate lending, with strong credit and deal structuring expertise and multi-team oversight.
Proven delivery of credit policy, underwriting standards and delegated authorities in a regulated environment.
Strong knowledge of lending products, intermediated markets and B2B SME lending.
Experience authoring policy and committee papers and defining product scope and requirements.
Credible, confident communicator able to influence senior stakeholders and operate effectively at executive and board level.
Background in a regulated bank or challenger bank, with a sound understanding of Consumer Duty.
Highly organised, delivery-focused and comfortable working autonomously in a fast-paced, growing environment.
Knowledge of savings products desirable.

Benefits

Competitive Time Off – Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.
Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.
Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.
Hybrid Working – To support your work-life balance, we offer a hybrid working model with 3 days in the office and 2 days remote.
Private Medical Care with Vitality – Comprehensive healthcare including optical and dental coverage to keep you healthy.
Enhanced Pension Scheme – Helping you plan and save for a secure future.
Maternity, Paternity & Adoption Pay – Supporting you and your family during important life moments.
Discretionary Company Bonus – Rewarding your contribution to our shared success.

Recognise Bank

Open Positions (1)

Management

Director of Intermediary Sales and Lending