Credit Underwriter

We are hiring for a Credit Underwriter role for an International Bank based in Harrow.

MAIN RESPONSIBILITY
Processing and underwriting of Corporate Loans, Commercial Retail Estate proposals, BTL Loans and personal Loans.

JOB RESPONSIBILITY

* Underwriting of Corporate, CRE, personal, BTL 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. Minimizing 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.

Must Have:

* Knowledge of UK lending environment.

* 3-5 years' experience in underwriting or assessing credit proposals