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- Tasks: Support the credit administration process from start to finish, ensuring compliance and efficiency.
- Company: Join a dynamic team in a leading financial institution based in London.
- Benefits: Competitive salary, full-time hours, and opportunities for professional growth.
- Why this job: Be part of a crucial team that impacts lending transactions in real estate and finance.
- Qualifications: Experience in credit administration and strong organisational skills are essential.
- Other info: Work in a collaborative environment with a focus on integrity and customer fairness.
Location: London (Fully Office Based - Moorgate)
Contract: Full-time
Salary: £35,000 - £40,000 per annum
About the Role
We are seeking a Credit Administration Officer to join our Credit team in London. This is a full-time, office-based role supporting the end-to-end credit administration process, from pre-disbursement through to post-completion, ensuring all internal policies, procedures, and regulatory requirements are met.
The role involves close collaboration with internal teams and external counterparties to ensure lending transactions are processed accurately, efficiently, and in full compliance. The lending portfolio is primarily real estate-backed, with additional exposure to SME working capital, trade finance, and Islamic finance products.
Key Responsibilities
- Pre-Disbursement
- Prepare credit documentation including term sheets, facility letters, addendums, borrower consents, and related documentation following credit approval
- Obtain and manage fee quotes from panel valuers and solicitors
- Coordinate the appointment of solicitors and valuers
- Review valuation reports and manage legal conveyancing through to completion
- Ensure all conditions precedent are satisfied and progress is communicated to relevant stakeholders
- Review reports on title and valuation reports, identifying risks and recommending mitigants
- Process loan disbursements and book loan limits and collateral on internal systems
- Liaise with solicitors, valuers, Credit, Operations, Monitoring, and Remedial teams
- Obtain and manage executed credit documents and perfected security
- Follow up on conditions subsequent
- Maintain accurate and complete credit files and audit trails
- Maintain credit databases, MI, pipeline, limits, and collateral data
- Deliver against agreed service level agreements (SLAs)
- Manage revaluation processes and liaise with valuers and credit teams
- Support audits, projects, UAT, and ad hoc credit administration initiatives
Regulatory & Conduct Responsibilities
The role requires full compliance with FCA and PRA Conduct Rules, including acting with integrity, due skill and care, treating customers fairly, and maintaining proper standards of market conduct.
Skills & Experience Required
Essential
- Experience in credit administration with exposure to Buy-to-Let (residential and commercial) and SME banking products
- Strong understanding of credit documentation, security perfection, valuation, and collateral management
- Proficiency in spreadsheets and database tools
- Excellent organisational skills with strong attention to detail
Desirable
- Knowledge of Islamic finance products, including Commodity Murabaha and Diminishing Musharaka
Personal Attributes
- Proactive, detail-oriented, and deadline-focused
- Strong written and verbal communication skills
- Confident working across departments and with external stakeholders
- Able to prioritise, multitask, and perform well in time-pressured environments
- Positive team player with a flexible and professional approach
Credit Administration Officer in London employer: LJ Recruitment
Contact Detail:
LJ Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Administration Officer in London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those who work in credit administration. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit documentation and processes. We recommend practising common interview questions related to credit administration to boost your confidence.
✨Tip Number 3
Showcase your skills! Bring along examples of your previous work or projects that highlight your attention to detail and organisational skills. This will help you stand out during interviews.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Administration Officer in London
Some tips for your application 🫡
Read the Job Description Carefully: Before you start your application, make sure to read through the job description thoroughly. This will help you understand what we're looking for in a Credit Administration Officer and tailor your application accordingly.
Showcase Your Relevant Experience: When writing your application, highlight your experience in credit administration, especially with Buy-to-Let and SME banking products. We want to see how your skills align with the responsibilities outlined in the job description.
Be Detail-Oriented: Since this role requires strong attention to detail, ensure your application is free from typos and errors. A well-organised and polished application reflects your ability to maintain high standards, which is crucial for this position.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, it shows you're keen on joining our team!
How to prepare for a job interview at LJ Recruitment
✨Know Your Credit Documentation
Make sure you brush up on your knowledge of credit documentation, especially term sheets and facility letters. Being able to discuss these confidently will show that you understand the core responsibilities of a Credit Administration Officer.
✨Showcase Your Organisational Skills
Prepare examples that highlight your organisational skills and attention to detail. Think of times when you successfully managed multiple tasks or projects under tight deadlines, as this role requires juggling various responsibilities.
✨Understand Regulatory Requirements
Familiarise yourself with FCA and PRA Conduct Rules. Being able to articulate how you would ensure compliance in your role will demonstrate your commitment to maintaining high standards and integrity in credit administration.
✨Communicate Effectively
Practice your communication skills, both written and verbal. You’ll need to liaise with various stakeholders, so being clear and concise in your explanations will be key. Consider preparing a few questions to ask during the interview to show your engagement.
