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- Tasks: Underwrite diverse lending proposals and manage credit processes in a dynamic environment.
- Company: Growing corporate and commercial real estate firm in West London.
- Benefits: Competitive salary, professional development, and a collaborative team culture.
- Other info: Opportunity to work closely with senior leadership and develop your career.
- Why this job: Join a pivotal role in shaping lending decisions and ensuring compliance.
- Qualifications: 6-10 years in credit underwriting with strong analytical skills.
The predicted salary is between 50000 - 65000 £ per year.
We are seeking an experienced Corporate & Commercial Real Estate (CRE) Underwriter to join a growing Credit function based in West London. This is a key role responsible for assessing, structuring, and managing a diverse portfolio of corporate, CRE, buy-to-let (BTL), and personal lending proposals.
The Role
Reporting directly to the Chief Credit Officer, you will play a pivotal role in underwriting and executing lending transactions, while ensuring robust risk management and regulatory compliance.
Key Responsibilities
- Underwrite Corporate, CRE, personal, and BTL loan applications, ensuring effective execution of transactions.
- Assess and process lending proposals from the business team, including presenting cases to the Credit/Sanctioning Committee.
- Manage end-to-end credit processes, including liaising with clients, introducers, solicitors, and valuation firms.
- Conduct annual reviews of the existing credit portfolio, ensuring compliance with covenants and lending terms.
- Monitor loan portfolios, identifying early warning signs, arrears, or potential problem accounts, and make recommendations.
- Work closely with Originations teams to determine clear rationale for approving or declining applications.
- Present proposals to Risk and other internal committees for new and existing products.
- Ensure all credit decisions meet regulatory standards and align with Treating Customers Fairly (TCF) principles.
- Support the Chief Credit Officer across broader Credit Department activities.
- Undertake site visits where required.
Key Skills & Experience
- ~6-10 years' experience in credit underwriting or assessing lending proposals.
- Strong knowledge of the UK lending environment and regulatory framework.
- Experience across Corporate and Commercial Real Estate lending (essential).
- Proficiency in Microsoft Office.
- Strong analytical and risk assessment skills.
Person Profile
- Able to work independently and collaboratively within a team.
- Strong attention to detail with a diligent and methodical approach.
- Confident communicator with the ability to present complex information clearly.
- Commercially aware, with the ability to balance risk and business objectives.
- Proactive, adaptable, and motivated to take on new challenges.
Key Stakeholder Interaction
- Senior leadership including Chief Credit Officer, Chief Banking Officer, and CEO.
- Business Development teams, Relationship Officers, and Branch Network.
- Credit Committees and internal product and administration teams.
Underwriter (Real Estate) employer: LJ Recruitment Limited
Contact Detail:
LJ Recruitment Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter (Real Estate)
✨Tip Number 1
Network like a pro! Get out there and connect with industry professionals on LinkedIn or at local events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your experience in corporate and commercial real estate underwriting. This will help you stand out as a candidate who truly gets them.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience and how it relates to the role of an Underwriter. Highlight your analytical skills and risk assessment abilities, as these are key in this field.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we love seeing candidates who take that extra step to engage with us directly.
We think you need these skills to ace Underwriter (Real Estate)
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in corporate and commercial real estate lending, and don’t forget to showcase your analytical skills and attention to detail!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for our team. Mention specific experiences that relate to the key responsibilities listed in the job description.
Showcase Your Regulatory Knowledge: Since this role involves ensuring compliance with regulatory standards, make sure to mention your understanding of the UK lending environment. We want to see that you’re up-to-date with the latest regulations!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and get to know you better!
How to prepare for a job interview at LJ Recruitment Limited
✨Know Your Stuff
Make sure you brush up on your knowledge of the UK lending environment and regulatory framework. Familiarise yourself with recent trends in corporate and commercial real estate lending, as well as any relevant legislation. This will not only help you answer questions confidently but also show that you're genuinely interested in the role.
✨Prepare Real-Life Examples
Think of specific examples from your past experience that demonstrate your underwriting skills and risk assessment abilities. Be ready to discuss how you've managed credit processes or presented proposals to committees. This will help you illustrate your expertise and make a strong impression.
✨Practice Your Presentation Skills
Since you'll be presenting cases to various committees, practice articulating complex information clearly and concisely. You might want to rehearse with a friend or in front of a mirror. The more comfortable you are with your delivery, the more confident you'll appear during the interview.
✨Ask Insightful Questions
Prepare some thoughtful questions to ask at the end of your interview. This could be about the company's approach to risk management or how they support their underwriters in professional development. Asking insightful questions shows that you're engaged and serious about the position.