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- Tasks: Underwrite and assess diverse lending proposals, ensuring high-quality credit decisions.
- Company: Join a leading financial institution with a focus on innovation and teamwork.
- Benefits: Competitive salary, flexible working options, and opportunities for professional growth.
- Other info: Dynamic work environment with excellent career advancement potential.
- Why this job: Make impactful lending decisions while developing your expertise in credit assessment.
- Qualifications: 4-10 years of experience in credit underwriting and strong analytical skills.
The predicted salary is between 50000 - 65000 £ per year.
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.
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
- 4-10 Years' experience in underwriting or assessing credit proposals.
- 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.
- Knowledge of UK lending environment.
Corporate and CRE (Commercial Real Estate) Underwriter in Greenhill employer: Quantum
Contact Detail:
Quantum Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Corporate and CRE (Commercial Real Estate) Underwriter in Greenhill
✨Tip Number 1
Network like a pro! Reach out to your connections in the industry, attend relevant events, and don’t be shy about asking for introductions. We all know that sometimes it’s not just what you know, but who you know that can land you that dream job.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. We recommend practising common interview questions and tailoring your answers to highlight your experience in underwriting and credit assessment. Show them you’re the perfect fit for their team!
✨Tip Number 3
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. We suggest mentioning something specific from your conversation to remind them why you’re the ideal candidate for the Corporate and CRE Underwriter role.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of opportunities waiting for you, and applying directly can sometimes give you an edge. Plus, it’s super easy to keep track of your applications with us!
We think you need these skills to ace Corporate and CRE (Commercial Real Estate) Underwriter in Greenhill
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Corporate and CRE Underwriter role. Highlight your experience in credit underwriting and any relevant skills that match the job description. We want to see how your background aligns with 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 Credit team. Share specific examples of your past experiences in underwriting and how they relate to the responsibilities outlined in the job description.
Showcase Your Analytical Skills: Since this role involves a lot of financial analysis and decision-making, make sure to showcase your analytical skills in your application. We love seeing how you approach problem-solving and assess credit risk, so don’t hold back!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you’re considered for the role. Plus, it’s super easy – just follow the prompts and submit your materials!
How to prepare for a job interview at Quantum
✨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 Corporate and CRE sectors, as this will show your expertise and confidence during the interview.
✨Prepare Real-Life Examples
Think of concrete examples from your past experience where you successfully underwrote loans or managed credit portfolios. Be prepared to explain your thought process and the outcomes, especially when presenting cases to committees. This will demonstrate your practical knowledge and problem-solving abilities.
✨Understand Regulatory Standards
Make sure you have a solid grasp of the regulatory frameworks and compliance standards relevant to the role. Be ready to discuss how you’ve adhered to TCF principles in your previous roles, as this will highlight your commitment to responsible lending practices.
✨Engage with Stakeholders
Showcase your stakeholder management skills by discussing how you've collaborated with various teams, such as Originations or external partners like solicitors and valuers. Highlighting your communication strategies will illustrate your ability to work effectively within a team and manage relationships.