📍 West London (Fully Office-Based)
💰 Salary: Competitive, dependent on experience
We 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.
The Role
Reporting 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.
Key Responsibilities
Underwrite Corporate, CRE, personal, and BTL loan applications, ensuring effective execution of transactions
Assess and process lending proposals from the business team, including presenting cases to the Credit/Sanctioning Committee
Manage end-to-end credit processes, including liaising with clients, introducers, solicitors, and valuation firms
Conduct annual reviews of the existing credit portfolio, ensuring compliance with covenants and lending terms
Monitor loan portfolios, identifying early warning signs, arrears, or potential problem accounts, and make recommendations
Work closely with Originations teams to determine clear rationale for approving or declining applications
Present proposals to Risk and other internal committees for new and existing products
Ensure all credit decisions meet regulatory standards and align with Treating Customers Fairly (TCF) principles
Support the Chief Credit Officer across broader Credit Department activities
Undertake site visits where required
Key Skills & Experience
6-10 years' experience in credit underwriting or assessing lending proposals
Strong knowledge of the UK lending environment and regulatory framework
Experience across Corporate and Commercial Real Estate lending (essential)
Proficiency in Microsoft Office
Strong analytical and risk assessment skills
Person Profile
Able to work independently and collaboratively within a team
Strong attention to detail with a diligent and methodical approach
Confident communicator with the ability to present complex information clearly
Commercially aware, with the ability to balance risk and business objectives
Proactive, adaptable, and motivated to take on new challenges
Key Stakeholder Interaction
Senior leadership including Chief Credit Officer, Chief Banking Officer, and CEO
Business Development teams, Relationship Officers, and Branch Network
Credit Committees and internal product and administration teams
Salary description
£40000.00 - £65000.00 per year