Corporate CRE Underwriter
12 days ago
Harrow
Corporate & Commercial Real Estate Underwriter\n\n📍 West London (Fully Office-Based)\n 💰 Salary: Competitive, dependent on experience\n\nWe are seeking an experienced Corporate & Commercial Real Estate (CRE) Underwriter to join a growing Credit function based in West London. This is a key role responsible for assessing, structuring, and managing a diverse portfolio of corporate, CRE, buy-to-let (BTL), and personal lending proposals.\n\nThe Role\n\nReporting directly to the Chief Credit Officer, you will play a pivotal role in underwriting and executing lending transactions, while ensuring robust risk management and regulatory compliance.\n\nKey Responsibilities\n\nUnderwrite Corporate, CRE, personal, and BTL loan applications, ensuring effective execution of transactions\nAssess and process lending proposals from the business team, including presenting cases to the Credit/Sanctioning Committee\nManage end-to-end credit processes, including liaising with clients, introducers, solicitors, and valuation firms\nConduct annual reviews of the existing credit portfolio, ensuring compliance with covenants and lending terms\nMonitor loan portfolios, identifying early warning signs, arrears, or potential problem accounts, and make recommendations\nWork closely with Originations teams to determine clear rationale for approving or declining applications\nPresent proposals to Risk and other internal committees for new and existing products\nEnsure all credit decisions meet regulatory standards and align with Treating Customers Fairly (TCF) principles\nSupport the Chief Credit Officer across broader Credit Department activities\nUndertake site visits where required\n\nKey Skills & Experience\n\n6-10 years' experience in credit underwriting or assessing lending proposals\nStrong knowledge of the UK lending environment and regulatory framework\nExperience across Corporate and Commercial Real Estate lending (essential)\nProficiency in Microsoft Office\nStrong analytical and risk assessment skills\n\nPerson Profile\n\nAble to work independently and collaboratively within a team\nStrong attention to detail with a diligent and methodical approach\nConfident communicator with the ability to present complex information clearly\nCommercially aware, with the ability to balance risk and business objectives\nProactive, adaptable, and motivated to take on new challenges\n\nKey Stakeholder Interaction\n\nSenior leadership including Chief Credit Officer, Chief Banking Officer, and CEO\nBusiness Development teams, Relationship Officers, and Branch Network\nCredit Committees and internal product and administration teams