Cynergy Bank
Senior Credit Sanctioner – Commercial Unregulated Lending
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# Senior Credit Sanctioner – Credit Risk
About the Role
Shape the lending decisions that drive growth at Cynergy Bank, the UK’s human digital bank.
As a Senior Credit Sanctioner, you’ll play a pivotal role in assessing, approving, and structuring complex lending transactions across property investment, development finance, bridging, structured finance, healthcare, and hospitality. Working closely with senior stakeholders, you’ll influence critical credit decisions, protect the lending portfolio, and contribute to its growth.
This isn’t just about underwriting—it’s about partnering with the business to shape strategy, challenge thinking, and help reshape our credit framework.
Key Responsibilities
- Advise credit decisions on complex real estate-backed lending transactions.
- Structure high-value deals with Frontline Bankers, balancing growth with prudent risk management.
- Exercise delegated lending authority across a diverse and high-value portfolio.
- Present cases to the Executive Credit Committee, advocating for strategic lending opportunities.
- Monitor portfolio performance, identifying emerging risks, and driving mitigation where needed.
- Act as a subject matter expert in credit underwriting, portfolio management, and regulatory compliance.
- Lead improvements to credit processes, policies, and governance frameworks.
- Build strong internal relationships, collaboratively shaping lending portfolio strategy.
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Requirements & Skills
- Minimum 5+ years’ experience sanctioning commercial lending in a UK bank (tried-and-tested transaction expertise essential).
- Deep specialist knowledge of development finance, commercial real estate lending, and structured finance.
- Proven hands-on experience in a second line credit function, with strong governance awareness.
- Exceptional credit analysis & financial modelling skills—dealing with multi-million-pound exposures.
- Strong grasp of UK credit risk, regulatory frameworks (e.g. PRA, FCA), and internal governance policies.
- Confident, decisive decision-maker with the courage and judgement to challenge weak proposals.
- Willingness to up-skilling—ready to add fresh insight to our evolving credit policies.
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Working with Us
- Flexible hybrid model: 3 days in our London office, 2 days working from home.
- Human-first approach: Combine relationship-driven banking with innovative technology.
- Impactful work: A role where your judgement truly matters—right up to executive decision-making levels.
- Core purpose: Supporting entrepreneurs, property developers, and family businesses to scale—but backed by operational rigor.
About Cynergy Bank We’re the UK’s human digital bank, founded in 2018 by entrepreneurs to serve business owners, property entrepreneurs, and family businesses. With over £3bn lent to scaling businesses and growing retail deposits, our vision is to deliver true personalisation—blending face-to-face relationships with cutting-edge technology.
Ready to shape the future of commercial lending? Apply now and play a pivotal role in defining how we lend, from residential buys to large-scale developments. We empower people like you to make well-rounded lending decisions that create win-win outcomes for our portfolio and customers.
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