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For Companies At a Glance
- Tasks: Underwrite and assess lending proposals for Corporate, CRE, and BTL loans.
- Company: Join an international bank with a strong reputation in the financial sector.
- Benefits: Competitive salary, career development opportunities, and a supportive work environment.
- Other info: Collaborative culture with opportunities for professional growth and networking.
- Why this job: Make impactful lending decisions and enhance your financial expertise in a dynamic team.
- Qualifications: 4-10 years of credit underwriting experience and strong analytical skills.
The predicted salary is between 55000 - 65000 £ per year.
We are currently hiring for an International Bank for the position of Credit Underwriter - Corporate, CRE & BTL Lending.
Location: Harrow Branch
Employment Type: Full-Time
Role Overview
We are seeking an experienced Credit Underwriter to join our Credit team, responsible for underwriting and processing a range of lending proposals including Corporate, Commercial Real Estate (CRE), Buy-to-Let (BTL), and Personal Loans. The role involves end-to-end credit assessment, portfolio monitoring, and stakeholder management to ensure high-quality lending decisions aligned with regulatory standards.
- Knowledge of UK lending environment
- 4-10 Years' experience in underwriting or assessing credit proposals.
Key Responsibilities
- Underwrite Corporate, CRE, Personal, and BTL loan proposals, ensuring effective execution of transactions.
- Assess and process lending proposals received from the business team and present recommendations to the Sanctioning Committee.
- Conduct annual reviews of the existing credit portfolio, ensuring compliance with borrowing requirements and covenants.
- Minimize credit risk in line with internal policies and regulatory standards; conduct site visits where required.
- Collaborate with the Originations team to determine clear rationale for approval or rejection of applications.
- Monitor the existing loan portfolio, identifying early arrears or potential problem accounts, and recommend appropriate actions.
- Ensure all credit decisions adhere to regulatory requirements, TCF (Treating Customers Fairly), and Customer First principles.
- Support the Chief Credit Officer (CCO) in operational and strategic activities within the Credit Department.
- Liaise with Solicitors and Valuation Firms to ensure smooth end-to-end execution of credit proposals.
- Prepare and present proposals to the Risk Committee and senior management for product approvals, renewals, and introductions.
Key Requirements
- Proven experience in credit underwriting across Corporate, CRE, BTL, and/or Retail lending.
- Strong knowledge of credit risk assessment, financial analysis, and loan structuring.
- Experience presenting cases to Credit/Sanctioning Committees.
- Understanding of regulatory frameworks and compliance standards (including TCF principles).
- Ability to manage credit portfolios, annual reviews, and covenant monitoring.
- Excellent stakeholder management skills, with experience liaising with internal teams and external partners (brokers, solicitors, valuers).
- Strong analytical, decision-making, and communication skills.
Corporate and CRE (Commercial Real Estate) Underwriter in Harrow employer: Quantum Group
Contact Detail:
Quantum Group Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Corporate and CRE (Commercial Real Estate) Underwriter in Harrow
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and real estate sectors. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of the UK lending environment. Be ready to discuss your experience with Corporate, CRE, and BTL underwriting. Show us you know your stuff, and we’ll be impressed!
✨Tip Number 3
Practice your pitch! When you get the chance to meet potential employers, have a clear and concise summary of your experience and skills ready. Highlight your stakeholder management abilities and how you can minimise credit risk effectively.
✨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, it shows you’re genuinely interested in joining our team. Let’s make it happen!
We think you need these skills to ace Corporate and CRE (Commercial Real Estate) Underwriter in Harrow
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the role of Credit Underwriter. Highlight your experience in underwriting and credit assessment, especially in Corporate, CRE, and BTL lending. We want to see how your skills match what we're looking for!
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 job description and show us your passion for the role.
Showcase Your Analytical Skills: As a Credit Underwriter, strong analytical skills are key. In your application, provide examples of how you've successfully assessed credit proposals or managed portfolios. We love seeing real-life applications of your skills!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it makes the process smoother for everyone involved.
How to prepare for a job interview at Quantum Group
✨Know Your Numbers
Brush up on your financial analysis skills and be ready to discuss specific metrics related to credit risk assessment. Familiarise yourself with key performance indicators in the lending space, as you may be asked to analyse a case study during the interview.
✨Understand Regulatory Standards
Make sure you have a solid grasp of the regulatory frameworks that govern credit underwriting in the UK. Be prepared to discuss how you’ve adhered to these standards in your previous roles, especially regarding TCF principles and compliance.
✨Showcase Stakeholder Management Skills
Think of examples where you've successfully collaborated with internal teams or external partners like solicitors and valuers. Highlight your communication strategies and how they led to effective outcomes in your past experiences.
✨Prepare for Case Presentations
Since presenting cases to Credit/Sanctioning Committees is part of the role, practice articulating your thought process clearly and confidently. Use the STAR method (Situation, Task, Action, Result) to structure your responses when discussing past underwriting decisions.