Credit Underwriter

CBC Resourcing Solutions; Chester; Hybrid; GBP 72,000 - 88,000; Full time

Benefits offered by this job

Bonus

Benefits

Job summary

CBC Resourcing Solutions in Chester is assisting a central Chester-based bank to recruit an experienced Credit Underwriter for a hybrid role. The successful candidate will manage underwriting with due diligence, respond to bridging finance requests, and support the credit process to drawdown.

You will prepare detailed Credit Papers, ensure compliance with FCA, PRA and financial crime controls, and coordinate with valuers and solicitors.

Qualifications

• Experience in underwriting within a property environment.

Responsibilities

• Manage underwriting with due diligence.
• Proactively respond to requests for bridging finance from brokers/applicants.
• Make lending decisions in line with Credit Risk Policy and mandate level.
• Adhere to underwriting policy and regulatory requirements (FCA, PRA, money laundering, data protection).
• Work with Internal Sales to progress cases from DIP to drawdown.
• Prepare detailed Credit Papers with conditions and present to Credit Committee.
• Instruct valuers and solicitors.
• Follow Credit Committee sanctions, prepare offer letters, ensure loan conditions are met and move cases to drawdown.
• Ensure all loan information is accurately entered in the Bank’s systems before and upon drawdown.

Skills

Property underwriting

Job description

Credit Underwriter

Chester - hybrid

To £80,000 plus bonus and benefits

Our client is an award winning bank providing a broad range of products to their customers. Well established and based in central Chester they are looking to recruit an experienced Underwriter to join their growing team.

The successful candidate will;

• Manage the underwriting with due diligence
• Proactively respond to requests for bridging finance from brokers/applicants.
• Make lending decisions in line with Credit Risk Policy and individual mandate level.
• Adhere to internal underwriting policy and regulatory requirements – FCA, PRA, Money Laundering, Prevention of Financial Crime, Data Protection, etc.
• Work with Internal Sales to progress cases from DIP to drawdown.
• Prepare detailed Credit Papers with all appropriate conditions and presenting the proposition to Credit Committee.
• Instruct valuers and solicitors.
• Follow sanction from the Credit Committee, preparing the offer letter and accompanying documents and being proactive in ensuring that all loan conditions have been met and the case moves efficiently to drawdown.
• Ensure that information concerning each loan is accurately and comprehensively entered in to the Bank’s electronic systems, both prior to and upon drawdown.

It is essential that you have previous underwriting experience within a property environment.