Corporate & CRE Underwriter

We are looking for an Corporate & CRE Underwriter for our Harrow office.

MAIN RESPONSIBILITY: Processing and underwriting of Corporate, Commercial Retail Estate proposals & personal loans

JOB RESPONSIBILITY: Underwriting of Corporate & CRE Credit proposals and personal loans and ensuring

successful execution of the transactions being pursued along with related client &

introducer relationship management.

Manage the assessment and processing of lending proposals from the business team, and

presentation of proposals to Sanctioning Committee.

Operational responsibility for the annual review process for all existing credit portfolio

loans to ensure that all borrowing requirements and covenants are being adhered to.

Manage the review, assessment, investigation and minimising of credit risks associated

with loan applications in accordance with the Banks operating policies and procedures.

Undertake site visits as required.

Liaise with the Originations team to agree a clear rationale for agreeing or rejecting

applications, prior to processing.

Monitoring of existing loan portfolio, identifying early arrears or potential problem

accounts and making necessary recommendations.

Ensure the credit decisions are made within regulatory standards and adhere to TCF

principles and Customer First standards.

To provide support to the CCO in all operational areas of the Credit Department.

Liaising with Solicitors / Valuation Firms for end to end solution for credit proposals

Presentation to Risk Committee and other UK management committees for

introduction and renewal of new / existing products.

COMPETENCY:

Knowledge of Microsoft Office products

Knowledge of UK regulatory framework, principles and rules

Knowledge of UK lending environment

3 – 5 years’ experience in underwriting or assessing credit proposals.

KEY INTERACTIONS/NETWORKS:

CCO, CBO, ED&DCEO

Retail Branch Network

Credit Committees

Credit Administration

Products dept.

REPORTING RELATIONSHIP: Reports to Chief Credit Officer