We are currently hiring for an International Bank for the position of Credit Underwriter - Corporate, CRE & BTL Lending.

Location: Harrow Branch
Employment Type: Full-Time

Role Overview

We 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.

* Knowledge of UK lending environment
* 4-10 Years' experience in underwriting or assessing credit proposals.

Key Responsibilities

• Underwrite Corporate, CRE, Personal, and BTL loan proposals, ensuring effective execution of transactions.
• Assess and process lending proposals received from the business team and present recommendations to the Sanctioning Committee.
• Conduct annual reviews of the existing credit portfolio, ensuring compliance with borrowing requirements and covenants.
• Minimize credit risk in line with internal policies and regulatory standards; conduct site visits where required.
• Collaborate with the Originations team to determine clear rationale for approval or rejection of applications.
• Monitor the existing loan portfolio, identifying early arrears or potential problem accounts, and recommend appropriate actions.
• Ensure all credit decisions adhere to regulatory requirements, TCF (Treating Customers Fairly), and Customer First principles.
• Support the Chief Credit Officer (CCO) in operational and strategic activities within the Credit Department.
• Liaise with Solicitors and Valuation Firms to ensure smooth end-to-end execution of credit proposals.
• Prepare and present proposals to the Risk Committee and senior management for product approvals, renewals, and introductions.
• Key Requirements
  • Proven experience in credit underwriting across Corporate, CRE, BTL, and/or Retail lending.
  • Strong knowledge of credit risk assessment, financial analysis, and loan structuring.
  • Experience presenting cases to Credit/Sanctioning Committees.
  • Understanding of regulatory frameworks and compliance standards (including TCF principles).
  • Ability to manage credit portfolios, annual reviews, and covenant monitoring.
  • Excellent stakeholder management skills, with experience liaising with internal teams and external partners (brokers, solicitors, valuers).
  • Strong analytical, decision-making, and communication skills.