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- Tasks: Analyze loan applications and assess creditworthiness for a leading bank.
- Company: Join a warm, service-oriented bank in the heart of London.
- Benefits: Enjoy a competitive salary and a supportive work environment with flexible practices.
- Why this job: Make a real impact by helping clients secure their dream homes while growing your career.
- Qualifications: Ideal for those with a keen eye for detail and a passion for finance.
- Other info: Permanent position with opportunities for professional development.
The predicted salary is between 39600 - 66000 £ per year.
Credit Underwriting Officer West End Permanent £55,000 4:1 work practices cer Financial are working alongside a warm service led bank who are based in the City of London. They are seeking a Credit Underwriting Officer to work with them on permanent basis. The responsibilities of a Credit Underwriting Officer will include: Review and analyse residential and BTL real estate loan applications and supporting documentation. Assess the creditworthiness and financial stability of loan applicants. Ensure compliance with all company policies and regulatory requirements (SS13/16). Provide detailed recommendations to the Senior Credit Manager and the Banks Credit Committee on the strengths and weaknesses of each application. Support the Credit Administration Team in preparation of the Facility Letter and other supporting documentation. Identify and resolve any discrepancies in documentation or information provided in support of loan applications. Maintain accurate records of underwriting decisions and supporting documentation. Collaborate with the business team membe…
Credit Underwriting Officer employer: cer Financial
Contact Detail:
cer Financial Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwriting Officer
✨Tip Number 1
Familiarize yourself with the specific regulations and compliance requirements related to credit underwriting, especially SS13/16. This knowledge will not only help you in interviews but also demonstrate your commitment to adhering to industry standards.
✨Tip Number 2
Network with professionals in the banking and finance sector, particularly those who work in credit underwriting. Attend industry events or join relevant online forums to gain insights and potentially get referrals for the position.
✨Tip Number 3
Prepare to discuss real-life scenarios where you've assessed creditworthiness or resolved discrepancies in documentation. Having concrete examples ready will showcase your practical experience and problem-solving skills.
✨Tip Number 4
Research the bank's values and service-led approach. Tailoring your conversation to align with their mission during interviews can set you apart as a candidate who truly understands and fits into their culture.
We think you need these skills to ace Credit Underwriting Officer
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly read the job description for the Credit Underwriting Officer position. Understand the key responsibilities and required skills, as this will help you tailor your application.
Highlight Relevant Experience: In your CV and cover letter, emphasize any previous experience in credit underwriting or related fields. Use specific examples that demonstrate your ability to assess creditworthiness and analyze loan applications.
Showcase Compliance Knowledge: Since compliance with company policies and regulatory requirements is crucial, mention any relevant training or experience you have in this area. This could include knowledge of SS13/16 regulations or similar compliance frameworks.
Craft a Strong Cover Letter: Write a compelling cover letter that not only outlines your qualifications but also expresses your enthusiasm for the role and the bank's mission. Make sure to address how you can contribute to the team and support the Credit Administration Team effectively.
How to prepare for a job interview at cer Financial
✨Know Your Credit Underwriting Basics
Make sure you have a solid understanding of credit underwriting principles, especially related to residential and BTL real estate loans. Be prepared to discuss how you assess creditworthiness and financial stability.
✨Familiarize Yourself with Regulatory Requirements
Since compliance is crucial in this role, brush up on relevant regulations such as SS13/16. Be ready to explain how you ensure adherence to these policies in your previous roles.
✨Prepare for Scenario-Based Questions
Expect questions that ask you to analyze hypothetical loan applications. Practice articulating your thought process and the factors you would consider when making underwriting decisions.
✨Highlight Your Collaboration Skills
This role involves working closely with various teams. Be prepared to share examples of how you've successfully collaborated with others in past positions, particularly in resolving discrepancies or preparing documentation.
