Credit Manager - Development Finance
Paragon Banking Group Plc
Part-time Credit Manager overseeing Development Finance applications
12 days ago ago
Intermediate (4-7 years), Expert & Leadership (13+ years), Experienced (8-12 years)
Part Time
Solihull, England, United Kingdom
Hybrid
Company Size
1,400 Employees
Service Specialisms
Property Development
Real Estate Finance
Residential Mortgages
Buy-to-Let Mortgages
Commercial Mortgages
Savings Accounts
Investment Solutions
Business Banking
Sector Specialisms
Buy-to-Let Mortgages
Consumer Lending
Savings Products
Agriculture
Aviation
Construction
Commercial Lending
Role
What you would be doing
credit oversight
risk assessment
in‑life monitoring
process review
pricing models
risk rating
- Responsible for 2nd line oversight of Development Finance credit applications for new and/or existing facilities and thereafter either jointly approving within own personal delegated credit authority or supporting to Sanctioning Committee.
- Provide 2nd line assurance of Development Finance in-life monitoring by ensuring that existing lending is performing within the Bank’s risk appetite.
- To undertake 2nd line oversight of Development Finance new business line processes, in-life monitoring, systems and lending, by applying a comprehensive risk assessment approach to ensure that the key credit risks are identified and efficiently controlled.
- Provide 2nd line assurance of Development Finance new business applications by ensuring that the proposals being accepted are within the Bank’s risk appetite.
- Reviewing, assessing and (where appropriate) restructuring Development Finance credit applications to include pricing & risk rating models.
What you bring
ms office
degree
development finance
senior underwriting
risk management
communication
- Effective communication and people management skills.
- Attention to detail and excellent investigation/risk management skills.
- Advanced report writing skills.
- A full and demonstrable understanding of the credit cycle through strong business awareness.
- Ideally educated to degree level or equivalent.
- Ability to work self-sufficiently on own initiative and effectively manage completion of own objectives.
- Use of MS Office software for data analysis and review reports.
- Experienced in Development Finance credit underwriting.
- Demonstrate an ability to operate a Senior Underwriting mandate through an understanding of risk appetites, capital considerations and corporate lending structures/entities.
- Life Assurance and Personal Accident Cover
- Pension Plan: We contribute up to 10% of your annual salary towards your pension
- Profit Related Pay: We share some of our annual profit with our eligible employees
- Family Friendly policies: We offer enhanced parental pay and paid time off for fertility treatment
- Generous Holiday Allowance: Starting from 25 days and climbing to 30, you also get to enjoy a day off for your birthday, Christmas Eve, and New Year’s Eve. You can also buy or sell up to a week’s leave
- Part-time two days per week, in a job-sharing capacity, with some flexibility around timing and hybrid working, to suit the ideal candidate.
- Volunteering Day: Contribute to causes you care about with one volunteering day per year
- A part-time role, two days per week, shared with the existing Credit Manager in this role.
- Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate
- Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more
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Interview process
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Security clearanceInformation not given or found
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Company
Overview
1985-founded
Year Established
Operates since 1985 as National Home Loans Corporation.
FTSE 250-listed
Market Ranking
A fully integrated specialist bank listed on the FTSE 250.
£15B in loans
Managed Assets
Manages over £15 billion in loans across its lending segments.
£1.3B revenue
Annual Revenue
Reported over £1.3 billion in revenue in 2024.
- Operates through two main segments: mortgage lending (primarily buy‑to‑let) and commercial lending including motor, development, SME and structured finance.
- Has built a strong pipeline in buy‑to‑let and property development finance, recently driving notable loan growth.
- Notable for limited motor finance exposure amidst broader sector risks, highlighting its prudent risk management.
- Strong digital push with initiatives like the Spring savings app and enhanced buy‑to‑let mortgage platforms.
- To work together to ensure good outcomes for all our customers
- To maintain the highest standards and deliver our products and services with care and accuracy
- To be honest and open in everything we do
- To ensure we have fun while achieving success!
- To drive the business forward with determination and to do so with effort and enthusiasm
- To identify and create new business opportunities and apply creative and effective solutions to problems
- To work in harmony and collectively towards the delivery of our overall objective
- To treat people as individuals and listen to their views
48% emissions reduction
Operational Emissions Reduction
Committed to reducing operational market-based emissions by 48% compared to the 2019 baseline by 2024.
95% renewable electricity
Renewable Energy Usage
95% of electricity is sourced from renewable sources, significantly reducing the carbon footprint of operations.
53.4% green lending
Sustainable Mortgage Lending
53.4% of new mortgage lending in 2024 was allocated to EPC-rated A–C properties, promoting energy efficiency.
£300M green funding
Green Homes Initiative Funding
Increased funding to £300 million in 2024 to support green initiatives, fostering sustainable living and energy efficiency.
- Joined Bankers for Net Zero and committed to be net zero across operational footprint by 2030.
- SME division funds green assets including solar panels, wind turbines, EV charging, heat pumps, and energy storage.
- Issued £150 million Tier 2 Green Bond in March 2021 to finance EPC A–B residential real estate.
- No environmental prosecutions or fines to date.
40% Female
Senior Management Target
Aiming for 40% female representation in senior roles by 2025, up from 35% in 2022.
5% Minority
Senior Management Diversity
Targeting at least 5% representation from ethnic minority backgrounds in senior roles by 2027.
- Established EDI Network in 2020 to support diverse talent and build inclusive workforce
- Signed Race at Work Charter principles including board-level commitment and ethnicity data capture
- Accredited Disability Confident employer: inclusive recruitment, interview, adjustments and support
- Launched cross-company mentoring via 30% Club; founding member of Progress Together for socio‑economic diversity
- Published annual Gender Pay Gap Report; no indication of unequal pay in similar roles, but men in higher-paid roles highlighted
- Annual data collection on age, gender, ethnicity, sexual orientation, religion and disability to monitor diversity progress
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