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For Companies At a Glance
- Tasks: Join us in processing and underwriting Corporate and CRE proposals while managing client relationships.
- Company: Be part of the State Bank of India UK, a leading financial institution with a strong reputation.
- Benefits: Enjoy a dynamic work environment with opportunities for professional growth and development.
- Why this job: This role offers a chance to impact lending decisions and work closely with senior management.
- Qualifications: 3-5 years of experience in underwriting or assessing credit proposals is required.
- Other info: You'll collaborate with various teams and present to key management committees.
The predicted salary is between 36000 - 60000 £ per year.
We are looking for an Corporate & CRE Underwriter for our Harrow office.
MAIN RESPONSIBILITY: Processing and underwriting of Corporate, Commercial Retail Estate proposals & personal loans
JOB RESPONSIBILITY: Underwriting of Corporate & CRE Credit proposals and personal loans and ensuring
successful execution of the transactions being pursued along with related client &
introducer relationship management.
Manage the assessment and processing of lending proposals from the business team, and
presentation of proposals to Sanctioning Committee.
Operational responsibility for the annual review process for all existing credit portfolio
loans to ensure that all borrowing requirements and covenants are being adhered to.
Manage the review, assessment, investigation and minimising of credit risks associated
with loan applications in accordance with the Banks operating policies and procedures.
Undertake site visits as required.
Liaise with the Originations team to agree a clear rationale for agreeing or rejecting
applications, prior to processing.
Monitoring of existing loan portfolio, identifying early arrears or potential problem
accounts and making necessary recommendations.
Ensure the credit decisions are made within regulatory standards and adhere to TCF
principles and Customer First standards.
To provide support to the CCO in all operational areas of the Credit Department.
Liaising with Solicitors / Valuation Firms for end to end solution for credit proposals
Presentation to Risk Committee and other UK management committees for
introduction and renewal of new / existing products.
COMPETENCY:
Knowledge of Microsoft Office products
Knowledge of UK regulatory framework, principles and rules
Knowledge of UK lending environment
3 – 5 years’ experience in underwriting or assessing credit proposals.
KEY INTERACTIONS/NETWORKS:
CCO, CBO, ED&DCEO
Retail Branch Network
Credit Committees
Credit Administration
Products dept.
REPORTING RELATIONSHIP: Reports to Chief Credit Officer
State Bank of India UK | Corporate & CRE Underwriter employer: State Bank of India UK
Contact Detail:
State Bank of India UK Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land State Bank of India UK | Corporate & CRE Underwriter
✨Tip Number 1
Familiarize yourself with the UK regulatory framework and lending environment. Understanding the specific regulations and guidelines that govern credit proposals will give you an edge in discussions and decision-making processes.
✨Tip Number 2
Network with professionals in the banking and finance sector, especially those involved in underwriting and credit assessment. Building relationships can provide valuable insights and potentially lead to referrals for the position.
✨Tip Number 3
Stay updated on current trends in corporate and commercial real estate. Being knowledgeable about market conditions and emerging risks will help you make informed decisions and present compelling arguments during proposal assessments.
✨Tip Number 4
Prepare for potential site visits by researching properties and understanding their market value. This preparation will demonstrate your commitment and thoroughness when assessing loan applications.
We think you need these skills to ace State Bank of India UK | Corporate & CRE Underwriter
Some tips for your application 🫡
Understand the Role: Make sure to thoroughly understand the responsibilities of a Corporate & CRE Underwriter. Highlight your experience in processing and underwriting credit proposals, as well as your knowledge of the UK lending environment.
Tailor Your CV: Customize your CV to reflect relevant experience in underwriting and credit assessment. Emphasize your familiarity with the UK regulatory framework and any specific achievements in managing credit risks.
Craft a Strong Cover Letter: Write a compelling cover letter that outlines your motivation for applying and how your skills align with the job requirements. Mention your ability to manage client relationships and your operational experience in credit departments.
Highlight Key Competencies: In your application, make sure to highlight your proficiency in Microsoft Office products and any relevant certifications or training related to credit assessment and underwriting.
How to prepare for a job interview at State Bank of India UK
✨Understand the Underwriting Process
Make sure you have a solid grasp of the underwriting process, especially in the context of Corporate and Commercial Real Estate. Be prepared to discuss your experience with assessing credit proposals and how you've managed risks in previous roles.
✨Familiarize Yourself with Regulatory Standards
Since the role requires adherence to UK regulatory standards, it's crucial to be well-versed in these regulations. Brush up on the principles and rules that govern lending in the UK, and be ready to explain how you ensure compliance in your work.
✨Showcase Your Relationship Management Skills
This position involves significant client and introducer relationship management. Prepare examples of how you've successfully built and maintained relationships in past roles, and be ready to discuss your approach to communication and collaboration.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your problem-solving skills and decision-making process. Think of specific situations where you had to make tough credit decisions or manage potential risks, and be ready to walk the interviewer through your thought process.
