Credit - Real Estate Finance & Asset Finance Graduate Trainee

Opportunity:
Graduate Trainee - Credit (Real Estate Finance & Asset Finance) Company:
Cambridge & Counties Bank Contract Type:
Full-time, Permanent

Start Date:

ASAP Job Purpose

To undertake a training programme which will expose you to a variety of duties and experiences by way of rotating through a number of separate functions/departments of the Bank.

The programme covers a period of 24 months, where the Graduate Trainee will spend time in the following business areas

In line with the Bank’s Lending Policies, you would support the team with the assessment and approval of annual reviews submitted by the relationship teams, valuation property reports prepared by Bank panel valuers as a condition for new lending or re-valuation reports to support existing loans’ “in-life” management. This ensures the Bank’s exposure to credit risk remains acceptable, and there is no detrimental effect on the credit profile for the exposure connection.

To provide the Real Estate Finance Underwriting Team with support with credit applications and ensure all applications comply with our Lending Policy. Also ensure that all post sanction administration procedures are timely and compliant with Bank’s policies and procedures. You will also have the opportunity to complete reviews and recommendations during your time in the Underwriting Team

To provide the Asset Finance Underwriting Team with support with credit applications and ensure all applications comply with our Lending Policy. Also ensure that all post sanction administration procedures are timely and compliant with Bank’s policies and procedures. You will also have the opportunity to complete reviews and recommendations during your time in the Underwriting Team

The role will change and develop as your scheme progresses, depending on your areas of expertise and upon the projects requiring support at the time.

• Complete the programme and the required time in each area.
• Ensure all tasks are completed with professionalism and to the highest standards.
• Establish and maintain effective working relationships with key stakeholders.
• Be flexible with your approach and open to moving between departments and projects as needs arise.
• Ensure all accountabilities are undertaken in accordance with the Bank’s policies and procedures.
• Building an understanding of the bank’s products and services.
• Display a clear, proactive approach to each task in each selected area.
• Adhere to the Bank’s brand and culture values.
• Ensure good customer outcomes form the basis of the work completed in each area.
• Accurately record all data within the relevant systems and maintain required MI records
• Interact with other teams as necessary to ensure that quality and service levels are achieved.
• Operating various software applications to update, track and amend information and documents.
• Ensure full compliance with relevant legal and regulatory requirements, and appropriate CCB policies.
• Report any risk events, and appropriate errors and issues, in accordance with the agreed CCB process.
• Provide wider support across the Bank with administrative tasks, as work volumes require.

• Successful completion of work in each area
• Fully engaged in the programme
• Collects feedback where required and acts with a positive attitude to this.

We seek the following core competencies in all our colleagues:

• An honest, clear and respectful communicator
• Innovative and open minded to change.
• Self-motivated, accountable and results orientated.
• A team player who actively seeks opportunities to collaborate across multiple disciplines.
• Able to quickly build relationships with customers or stakeholders.
• Clear ability to plan and prioritise to ensure targets are achieved or exceeded.
• Non-judgemental and considerate of the impact of your behaviour and decisions on others.

• Qualification to a degree level in a relevant subject e.g., Business, Finance, Accounting, etc.
• Excellent attention to detail and able to deliver work to a consistently high level of accuracy.
• Good numerical skills
• Organised and efficient approach
• Good communication and interpersonal skills
• Able to work effectively as part of a team.