Cynergy Bank
Senior Credit Sanctioner – Commercial Unregulated Lending
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Senior Credit Sanctioner
About the Role
Shape the lending decisions that drive growth.
At Cynergy Bank, we're looking for an experienced Senior Credit Sanctioner to join our Credit Risk team.
This is a high-profile role where you’ll:
- Assess and approve complex lending transactions across property investment, development finance, bridging, structured finance, healthcare, and hospitality.
- Work closely with senior stakeholders across the Bank.
- Influence significant credit decisions.
- Play a key role in protecting and growing our lending portfolio.
Why This Role?
This is an opportunity to move beyond pure transaction underwriting and become a trusted credit partner to the business. You’ll support the structuring of complex deals, contribute to senior credit committees, influence portfolio strategy, and help shape the future of our credit framework.
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Responsibilities
- Assess and approve complex real estate-backed lending transactions.
- Support Frontline Bankers to structure deals that balance growth and risk.
- Exercise delegated lending authority across a diverse portfolio.
- Present cases to the Executive Credit Committee.
- Review portfolio performance and identify emerging risks.
- Act as a subject matter expert on credit underwriting and portfolio management.
- Lead improvements to credit processes, policies and governance frameworks.
- Build strong relationships with stakeholders across the Bank.
Requirements
- Strong experience sanctioning commercial lending within a UK bank.
- Deep knowledge of development finance and commercial real estate lending.
- Proven experience operating within a second line credit function.
- Excellent credit analysis and financial assessment skills.
- Strong understanding of credit risk, governance, and regulatory requirements.
- The confidence to challenge, influence, and make well-reasoned lending decisions.
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Work Environment
We operate a hybrid model, with 3 days a week in our London office and 2 days from home.
About Cynergy Bank
We're the UK’s human digital bank, combining relationship-led banking with innovative technology. Our people are empowered to:
- Make decisions
- Challenge thinking
- Create better outcomes for customers
If you're looking for a role where your judgement genuinely matters, we’d love to hear from you.
Apply now and help shape the future of commercial real estate lending at Cynergy Bank.
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