We are inviting applications for the Senior Credit Underwriter Officer for an international bank based in London.
Job Title:
Credit Underwriting Officer Department:
Risk Reports to:
Senior Credit Manager (Head of RRE) Main function of Job:
The Credit Risk Underwriting Specialist will be responsible for evaluating BTL mortgage applications for portfolio landlords in accordance with company policies and regulatory guidelines. This role involves detailed analysis of financial documents and credit information to assess the risk and eligibility of applicants. Location:
Head Office, London and WFH option (1 day per week) Supervisory Responsibilities:
None. SMCR Status - Conduct Key Responsibilities: Review and analyze residential real estate loan applications and supporting documentation. Assess the creditworthiness and financial stability of loan applicants (usually Limited companies). Ensure compliance with all company policies and regulatory requirements (SS13/16). Provide detailed recommendations to the Senior Credit Manager and the Bank's Credit Committee on the strengths and weaknesses of each application. Support the Credit Administration Team in preparation of the Facility Letter and other supporting documentation. Identify and resolve any discrepancies in documentation or information provided in support of loan applications. Maintain accurate records of underwriting decisions and supporting documentation. Collaborate with the business team members to ensure smooth loan processing. Assist the Senior Credit Manager in management of the RRE Portfolio including analysis of the performance of existing facilities as part of the Bank's annual review process. Stay up-to-date with industry trends, regulations, and best practices in mortgage underwriting. Provide support to the Credit Risk & Recoveries Manager in managing non-performing loans and the debt management process. Provide accurate management information as required. Ensure you are trained and comply with the Bank's Policy and Procedures regarding Money Laundering detection and reporting, and that any weaknesses identified in AML Procedures and Compliance are promptly addressed. Ensure you are trained and comply with the Bank's Policy and Procedures regarding Consumer Duty and also Treating Customers Fairly, ensuring good customer outcomes. Tools or Equipment Used:
MS Office 365, Equation, Internet Rating Agency reports Other Job Requirements: Excellent analytical skills and knowledge of financial accounts. Strong Microsoft Office skills. Flexible approach to meet changing requirements and the ability to perform under pressure within time constraints. Ability to work under pressure without compromising quality. Excellent written, oral communication, and presentation skills. Conduct rules for all staff: Act with integrity, respect, and trustworthiness. Act with due skill, care, and diligence. Be open and cooperative with the FCA, the PRA, and other regulators. Pay due regard to the interests of customers and treat them fairly. Observe proper standards of market conduct.
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Credit Underwriting Officer Department:
Risk Reports to:
Senior Credit Manager (Head of RRE) Main function of Job:
The Credit Risk Underwriting Specialist will be responsible for evaluating BTL mortgage applications for portfolio landlords in accordance with company policies and regulatory guidelines. This role involves detailed analysis of financial documents and credit information to assess the risk and eligibility of applicants. Location:
Head Office, London and WFH option (1 day per week) Supervisory Responsibilities:
None. SMCR Status - Conduct Key Responsibilities: Review and analyze residential real estate loan applications and supporting documentation. Assess the creditworthiness and financial stability of loan applicants (usually Limited companies). Ensure compliance with all company policies and regulatory requirements (SS13/16). Provide detailed recommendations to the Senior Credit Manager and the Bank's Credit Committee on the strengths and weaknesses of each application. Support the Credit Administration Team in preparation of the Facility Letter and other supporting documentation. Identify and resolve any discrepancies in documentation or information provided in support of loan applications. Maintain accurate records of underwriting decisions and supporting documentation. Collaborate with the business team members to ensure smooth loan processing. Assist the Senior Credit Manager in management of the RRE Portfolio including analysis of the performance of existing facilities as part of the Bank's annual review process. Stay up-to-date with industry trends, regulations, and best practices in mortgage underwriting. Provide support to the Credit Risk & Recoveries Manager in managing non-performing loans and the debt management process. Provide accurate management information as required. Ensure you are trained and comply with the Bank's Policy and Procedures regarding Money Laundering detection and reporting, and that any weaknesses identified in AML Procedures and Compliance are promptly addressed. Ensure you are trained and comply with the Bank's Policy and Procedures regarding Consumer Duty and also Treating Customers Fairly, ensuring good customer outcomes. Tools or Equipment Used:
MS Office 365, Equation, Internet Rating Agency reports Other Job Requirements: Excellent analytical skills and knowledge of financial accounts. Strong Microsoft Office skills. Flexible approach to meet changing requirements and the ability to perform under pressure within time constraints. Ability to work under pressure without compromising quality. Excellent written, oral communication, and presentation skills. Conduct rules for all staff: Act with integrity, respect, and trustworthiness. Act with due skill, care, and diligence. Be open and cooperative with the FCA, the PRA, and other regulators. Pay due regard to the interests of customers and treat them fairly. Observe proper standards of market conduct.
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