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Own the independent assessment and challenge of new UK real estate lending opportunities, shaping transaction structures and presenting recommendations to the Credit Committee.
10+ years in credit risk with deep SME real estate lending expertise, strong financial analysis, and proven ability to influence senior credit decisions.
Your judgments protect portfolio quality while enabling OakNorth to fund ambitious real‑estate businesses that drive economic growth.
A seasoned credit professional who balances disciplined risk management with commercial ambition and thrives in fast‑moving, collaborative environments.
At OakNorth, we’re on a mission to empower ambitious businesses and the communities they serve. Since 2015, we’ve lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while driving economic growth in the markets we serve.
We’re an entrepreneurial, technology-led bank, combining deep lending expertise with data, technology and AI to make better decisions and deliver a different experience for our customers.
Our Credit Risk team plays a critical role in enabling OakNorth to support ambitious businesses while maintaining a high-quality lending portfolio. Working closely with Debt Finance Origination, Credit Analytics, Portfolio Management and Legal, we bring together technical expertise, independent judgement and commercial thinking to support lending decisions.
We’re a collaborative, fast-moving team where people are encouraged to challenge, take ownership and find solutions. You’ll be part of this team, bringing dedicated real estate expertise to the same shared portfolio and working closely with colleagues across Credit Risk and the wider business.
We’re looking for a Senior Director, Credit Risk – Real Estate to play a senior role in shaping credit decisions across OakNorth’s UK real estate lending portfolio. You’ll lead the independent assessment and challenge of opportunities across a broad range of SME real estate businesses, from investment and development finance to operational real estate.
This is an opportunity to bring deep property credit expertise and sound commercial judgement to transactions that matter. You’ll work closely with Debt Finance Origination, Credit Analytics and Portfolio Management, influencing deals from an early stage, helping shape their structure and presenting clear, high-quality recommendations to Credit Committee.
As a senior member of the Credit Risk team, you’ll have the trust and scope to influence complex decisions, engage directly with customers and senior stakeholders, and help raise the quality of our approach to real estate lending. You’ll balance disciplined risk management with the opportunity to back ambitious businesses and the communities they serve.
At OakNorth, you’ll work on meaningful, complex lending transactions without the layers of bureaucracy often associated with larger institutions. You’ll be part of one Credit Risk team, with the opportunity to bring specialist real estate expertise while working closely with colleagues across the business.
We value independent thinking, commercial judgement and people who take ownership. We move quickly, challenge conventional approaches and use technology and AI to keep improving how we work. As we grow, you’ll have the opportunity to influence not only individual transactions, but how we approach real estate lending and risk management more broadly.
If you’re an experienced real estate credit professional ready for greater ownership, exposure to senior decision-makers and the chance to make a meaningful impact, we’d love to hear from you.
