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Credit Risk Manager - Term Lending

The overall responsibility of the role is to ensure prudent review and approval of loans within Enra’s term lending departments and to cascade knowledge to more junior members of the company. This is a mandated role which requires all loans to be approved in accordance with the divisions Credit Risk Appetite whilst ensuring that service levels are maintained within the business.

To apply, please submit your CV to our recruitment team at recruitment@enragroup.co.uk.


Job Description

Key Accountabilities

  • As a Mandate holder, ensuring all cases are reviewed and where appropriate, approved within the Group’s Risk appetite and within current regulations.
  • Developing staff and promoting self-improvement within the department.
  • Oversee the loan approval process in support of the Head of Credit Risk.
  • Ensure that broker relationships are maintained (which are integral to the growth for WOSL) whilst ensuing that credit quality isn’t compromised.
  • Promote ESGR values across the business.
  • Provide MI and feedback to the Head of Credit Risk and Head of Term Lending on a monthly basis.
  • Be a referral point for Underwriters and the Broker Support team for questions on credit decisions.
  • Regular liaison with external auditors and funders.

Skills & Competencies

  • Excellent attention to detail
  • Strong organisational skills
  • Excellent written and verbal communication

Knowledge & Qualifications

  • A strong understanding of FCA regulation.
  • Current/Previous Mandate Holder with a Lender (preferably a Specialist Lender) in one of the following sectors: - BTL / 2nd Charge / Residential Mortgage / Bridging.
  • A minimum of 5 years’ experience within the Specialist Lending sector.
  • Experience in managing people.
  • CeMAP (desirable, not essential).
  • Good working knowledge of Microsoft Office

Personal Attributes

  • Sound decision maker
  • Flexible
  • Articulate
  • Well organised

How these will be demonstrated in the role


Demonstrating: ability to work in a team and being committed to achieving a common goal; ability to work not only within one’s own department but across functions and the organisation in order to achieve goals; ability to persuade and influence others.


Demonstrating: a desire and drive for success; a determination to not only meet but exceed customer expectations and goals. Assuming full responsibility for the consequences of one’s behaviour or decisions. Completing work on time and within budget. Producing high quality work, with an attention to detail and accuracy, and in a compliant manner. Understanding one’s responsibilities, taking ownership of them and doing what is necessary to make them happen.

Customer focus

Focusing on the needs of individual customers and ensuring that we build our business around the customer. Using our experience and market knowledge to capitalise on opportunities and challenges; demonstrating a ‘will to win’ in the market through effectively managing risk. Developing solutions that enhance the organisation’s products, services and processes for the benefit of individual customers.


Demonstrating: moral judgement and character, honesty and leadership values; an understanding of right from wrong and puts into practice. Treating others, the way one would like to be treated, and demonstrates respect; confidentiality in the workplace.

Creativity/ Agility

Demonstrating: the ability to be creative, flexible, adaptable to change, highly responsive to business needs and acting decisively; ability and confidence to make timely decisions within the scope of responsibility. Able to modify one’s behaviour to achieve a goal, as well as being able to adapt and add value through change.

Submit your C.V.