Corporate and CRE (Commercial Real Estate) Underwriter

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.,

• 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
  
  Knowledge of UK lending environment
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.