Corporate & CRE Underwriter
Location: West London
Salary: £60,000 per annum
Working Pattern: Fully office-based
Department: Credit
Reporting to: Chief Credit Officer
About the Role
We are looking for an experienced and commercially minded Corporate & Commercial Real Estate (CRE) Underwriter to join our Credit team based in West London.
This is a key role within the Credit function, responsible for assessing, underwriting and managing a range of lending proposals across Corporate, Commercial Real Estate (CRE), Buy-to-Let (BTL) and personal lending .
You will work closely with the Business and Originations teams, senior management, Credit Committees, solicitors and valuation firms to ensure lending decisions are robust, commercially sound and aligned with the organisation's credit policies and regulatory requirements.
This is a fully office-based position , offering the opportunity to work closely with senior stakeholders and play an important role in supporting the growth and quality of the lending portfolio.
Key Responsibilities
Underwrite Corporate, CRE, BTL and personal loan proposals , ensuring transactions are appropriately assessed and successfully executed.
Assess and process lending proposals received from the Business team and present recommendations to the relevant Sanctioning Committee .
Work closely with the Originations team to establish a clear rationale for approving or declining applications.
Monitor the existing loan portfolio, identifying early arrears, emerging risks and potential problem accounts, and make appropriate recommendations.
Take responsibility for the annual review process across the existing credit portfolio, ensuring borrowing requirements and financial covenants are being met.
Minimise credit risk associated with lending applications while operating within established credit policies, procedures and risk appetite.
Undertake property and borrower site visits where required.
Present proposals and recommendations to Risk Committee and other UK management committees whe...
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