Commercial Business Manager
Location: Harrow
Salary: £70,000 per annum
Contract: Permanent

We are seeking an experienced Commercial Business Manager to join our growing team in Harrow. This is a key role within our origination function, responsible for generating, assessing, and managing commercial lending opportunities while building and maintaining strong introducer and client relationships.

• Originate Commercial Real Estate credit proposals (up to £20m) and Development Finance proposals (up to £10m).

• Develop and maintain strong introducer networks including brokers, accountants, solicitors, and valuers, with accurate database management.

• Undertake initial assessment and processing of commercial lending proposals, providing clear recommendations to senior management.

• Liaise with internal credit teams for underwriting and present proposals to approval committees.

• Conduct site visits and prepare reports to minimise credit risk.

• Maintain an active pipeline of proposals, ensuring disbursement targets are achieved.

• Monitor market conditions to identify opportunities or risks, and make recommendations.

• Ensure credit decisions meet regulatory standards, Treating Customers Fairly (TCF) principles, and customer-first standards.

• Provide credit training to branch teams to ensure policy understanding.

• Work closely with solicitors, valuers, and credit administration to ensure smooth end-to-end processing of proposals.

• Present to risk and management committees on new or renewed products.

• 3-5 years' experience in underwriting or assessing credit proposals.

• Strong knowledge of the UK regulatory framework and commercial lending environment.

• Established introducer relationships across multiple sectors.

• Proficiency in Microsoft Office.

• Strong communication skills with the ability to summarise complex arguments and balance risk with business needs.

• Highly organised, detail-oriented, and capable of working independently or within a team.