Corporate & Commercial Real Estate Underwriter

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