Credit Administration Officer

LJ Recruitment; Greater London; On-site; GBP 35,000 - 40,000; Full time

Job summary

LJ Recruitment is seeking a Credit Administration Officer for our Moorgate office in London. The role supports the full lending lifecycle, working with solicitors, valuers and internal teams to ensure accurate processing and adherence to policies.

The successful candidate will bring prior credit administration experience, strong organisational skills and a proactive approach to risk mitigation and controls within Buy-to-Let and SME banking contexts.

Qualifications

• Experience within Credit Administration.
• Experience supporting Buy-to-Let lending (residential and commercial).
• Knowledge of SME banking products.

Responsibilities

• Prepare credit documentation using in-house templates.
• Coordinate solicitors and valuers.
• Review valuation reports and identify risks.
• Liaise with solicitors to satisfy conditions precedent.
• Complete loan disbursement processes and book limits.
• Maintain accurate and well-organised credit files.
• Maintain databases relating to lending pipelines and collateral.
• Ensure SLAs are consistently achieved.
• Support reporting, audits and ad hoc projects.

Skills

Credit documentation

Attention to detail

Organisational skills

Communication skills

Problem-solving

Stakeholder collaboration

Tools

Spreadsheets

Database systems

Job description

Location: Moorgate, LondonSalary: 35,000 - 40,000 per annumJob Type: PermanentWorking Pattern: Office-based, 5 days per week

The Opportunity

We are seeking a highly organised and detail-oriented Credit Administration Officer to join our Credit Administration team based in our Moorgate office.

This is an excellent opportunity for an experienced credit administration professional with knowledge of real estate lending and SME banking products to play a key role in supporting the full lending lifecycle. The successful candidate will work closely with internal departments, solicitors, valuers and other stakeholders to ensure lending transactions are processed efficiently, accurately and in line with internal policies and regulatory requirements.

Key Responsibilities

Pre-Disbursement

• Prepare credit documentation including term sheets, facility letters, addendums and other lending documentation using in-house templates.
• Obtain fee quotations from panel valuers and solicitors.
• Proactively follow up on signed documentation and commitment fees.
• Coordinate the appointment of solicitors and valuers.
• Review valuation reports.
• Liaise with solicitors throughout the legal process, ensuring all conditions precedent are satisfied before completion.
• Resolve or escalat[e? .

Disbursement

• Review reports on title and valuation reports, identifying key risks and recommending appropriate mitigants.
• Complete loan disbursement processes, including booking loan limits and collateral within internal systems.
• Liaise with Business, Operations, Credit Approval, Monitoring, Remedial teams, solicitors and valuers throughout the completion process.

Post-Completion

• Obtain executed copies of credit documentation from solicitors.
• Monitor the perfection of security documentation and receipt of original executed documents.
• Follow up on outstanding conditions subsequent.
• Maintain accurate and well-organised credit files.

Additional Responsibilities

• Maintain databases relating to lending pipelines, limits, collateral, insurance, valuations and reviews.
• Ensure service level agreements (SLAs) are consistently achieved.
• Coordinate property revaluations, reviewing reports and highlighting issues to Relationship Managers and Credit Approval.
• Support credit administration projects, process improvements, user acceptance testing (UAT) and other ad hoc initiatives.
• Contribute to reporting, audit requests and maintaining accurate management information.

About You

To be successful in this role, you will have:

Experience

• Previous experience within Credit Administration.
• Experience supporting Buy-to-Let lending (residential and commercial).
• Knowledge of SME banking products.
• Experience with credit administration processes and technology solutions that support risk mitigation and controls.
• Knowledge of Islamic lending products, including Commodity Murabaha and Diminishing Musharaka, would be advantageous but is not essential.

Skills

• Strong understanding of credit documentation, security perfection, collateral management and property valuations.
• Good working knowledge of spreadsheets and database systems.
• Excellent written and verbal communication skills.
• Strong organisational skills with the ability to prioritise and manage multiple deadlines.
• Excellent attention to detail.
• Confident working with internal stakeholders, solicitors, valuers and middle management.
• A proactive approach to problem-solving.
• Strong interpersonal skills and the ability to work effectively within a collaborative team.

What We're Looking For

We're looking for someone who is:

• Highly organised with exceptional attention to detail.
• A positive team player with a flexible and proactive approach.
• Comfortable working in a fast-paced, deadline-driven environment.
• Able to build strong working relationships across multiple business areas.
• Committed to delivering high standards of accuracy, compliance and customer service.