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:

The Senior Credit Partner will play a key role in assessing and underwriting loan applications for our full range of property finance solutions, with a particular focus on portfolio Buy-to-let, Bridging and Commercial Mortgage finance.

Key areas of responsibility:

• Conducting thorough financial analysis, risk assessment, and due diligence to make informed credit decisions.
• Using your personal delegated lending authority to underwrite larger, more complex lending transactions, further advances and account reviews in line with GB Bank Lending Policy, Treating Customers Fairly (TCF) and responsible lending principles.
• Preparing cases that fall outside your personal lending authority and presenting to appropriate authority holders and Committees where required.
• Collaborating with Business Development Managers (BDMs) and Relationship Managers (RMs) to undertake early-stage assessments of new lending cases, to provide timely indicative terms responses to borrowers and commercial finance brokers.
• Identifying and reporting cases that show signs of deteriorating credit quality, in line with GB Bank Business Support Policy.
• Acting as Deputy for the Head of Credit Underwriting during periods of absence e.g. holidays.
• Providing guidance and support to junior members of the team, sharing knowledge and best practices to enhance team performance.
• Being an expert in the Bank’s lending policy and a “go-to” referral point for BDM, RM and other Credit team colleagues.
• 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 and account reviews).
• Staying abreast of market trends, regulatory changes, and industry developments to inform decision-making and to identify potential improvements to underwriting systems, policies and procedures.
• Acting as a subject matter expert, working with colleagues from across the business, on project teams to develop, test and implement improvements to systems and processes.

A bit about you – You are/have:

• Extensive experience in credit underwriting within the banking or financial services sector covering a variety of sectors, including Real Estate.
• Strong analytical skills, understanding of credit risk principles, financial analysis techniques and lending regulations.
• Proven track record of making sound credit decisions using a significant mandate and managing credit risk in a commercial lending environment.
• Exceptional communication, interpersonal and stakeholder management skills.
• Able to work independently and as part of a team, prioritising tasks to meet deadlines in a fast-paced environment.
• Experience in deputising for senior colleagues and managing more junior colleagues.
• Driven, with a strong desire to exceed expectations.
• Confident - able to be pragmatic and exercise good judgement.
• Excited by the opportunity to work in a rapidly growing start-up bank with a strong purpose.
• Strong organisational 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 
• 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: London-based (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.

At GB Bank, we value privacy and data protection rights. We have longstanding data protection culture and promote robust ethical standards in data management. Please read our Privacy Notice in relation to our recruitment activities before submitting your application to work with us.