Corporate and CRE (Commercial Real Estate) Underwriter
8 days ago
Harrow
We are currently hiring for an International Bank for the position of Credit Underwriter - Corporate, CRE & BTL Lending.\n\nLocation: Harrow Branch\n Employment Type: Full-Time\n\nRole Overview\n\nWe 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.\n\n* Knowledge of UK lending environment \n* 4-10 Years' experience in underwriting or assessing credit proposals.\n\nKey Responsibilities\n\nUnderwrite Corporate, CRE, Personal, and BTL loan proposals, ensuring effective execution of transactions.\nAssess and process lending proposals received from the business team and present recommendations to the Sanctioning Committee.\nConduct annual reviews of the existing credit portfolio, ensuring compliance with borrowing requirements and covenants.\nMinimize credit risk in line with internal policies and regulatory standards; conduct site visits where required.\nCollaborate with the Originations team to determine clear rationale for approval or rejection of applications.\nMonitor the existing loan portfolio, identifying early arrears or potential problem accounts, and recommend appropriate actions.\nEnsure all credit decisions adhere to regulatory requirements, TCF (Treating Customers Fairly), and Customer First principles.\nSupport the Chief Credit Officer (CCO) in operational and strategic activities within the Credit Department.\nLiaise with Solicitors and Valuation Firms to ensure smooth end-to-end execution of credit proposals.\nPrepare and present proposals to the Risk Committee and senior management for product approvals, renewals, and introductions.\n\nKey Requirements\n\nProven experience in credit underwriting across Corporate, CRE, BTL, and/or Retail lending.\nStrong knowledge of credit risk assessment, financial analysis, and loan structuring.\nExperience presenting cases to Credit/Sanctioning Committees.\nUnderstanding of regulatory frameworks and compliance standards (including TCF principles).\nAbility to manage credit portfolios, annual reviews, and covenant monitoring.\nExcellent stakeholder management skills, with experience liaising with internal teams and external partners (brokers, solicitors, valuers).\nStrong analytical, decision-making, and communication skills