Director – Senior Credit Underwriter – Commercial Banking

Chamberlain Career Management; Greater London; On-site; GBP 60,000 - 90,000; Full time

Job summary

A leading challenger bank in Greater London seeks a Senior Analyst specializing in Credit Risk Management. The role involves conducting assessments of corporate senior debt facilities, managing lending workflows, and ensuring compliance with risk management standards. Ideal candidates will have extensive banking experience, a strong understanding of regulatory requirements, and excellent communication skills. Competitive salary and benefits package offered.

Benefits

Annual cash allowance

Non-contributory pension

Discretionary bonus

Healthcare

Life cover

Qualifications

• Previous general banking experience including Credit approval.
• Strong knowledge of real estate and mid-market corporate business.
• Experience across entire credit lifecycle advantageous.

Responsibilities

• Conduct assessments of senior debt facilities in various sectors.
• Lead the approach to healthcare, hospitality, and leisure sectors.
• Manage workflow of lending proposals to meet business priorities.

Skills

Credit Risk Management

Financial Analysis

Risk Oversight

Interpersonal Skills

Regulatory Knowledge

Education

Degree level or relevant professional qualification

Tools

Microsoft Excel

Microsoft Word

Microsoft PowerPoint

Job description

Direct message the job poster from Chamberlain Career Management

Resourcing talent throughout the lending lifecycle | Real Estate Finance, Commercial Banking & Alternative Finance | Senior Analysts to C-Level…

Location: London

The Bank

An established, growing, stable and successful challenger bank who focus on business finance in a small number of carefully chosen markets. A specialist bank, staffed by experts who are determined to help UK businesses realise their ambitions.

Main responsibilities of role:

· Conduct the assessment of mid-market general corporate senior debt facilities with experience in real estate finance, healthcare, hospitality, and leisure, within primary lending discretion or recommend for approval to credit committee.

· Act as 2LOD lead for the approach to the healthcare, hospitality and leisure sectors and take responsibility alongside the credit reporting team for understanding the back book and recommending approach to front book appetite on an ongoing basis.

· Ability to communicate complex matters effectively to senior stakeholders.

· Manage workflow of lending proposals to provide timely responses in line with business priorities.

· Support the application of effective credit risk management standards through the implementation of agreed business wide and departmental policies and procedures

· Lead and participate in projects to improve loan sanctioning and credit management processes & policies.

· Ensure new Credit proposals within each business unit are reviewed and approved in line with agreed Risk Appetite and approval frameworks.

· Assist with providing clarifications over all policy-related matters and proposing process improvements where necessary.

· Maintain a close relationship with the business unit teams.

· Support discussion on Credit related matters at the relevant business Executive Committees.

· Produce and share key portfolio insights to allow the committee to make informed decisions in respect of strategy and risk management.

· Maintain an effective risk management framework, including reporting against risk appetite metrics, and maintaining appropriate lending policies, underwriting manuals and processes.

· Participate in all relevant internal committees and forums, including credit committees, models governance committee and economic assumptions committee.

· Assume responsibility for the content of reports going to various stakeholders, including regulators and Executive and Board Risk Committees.

· Support the Chief Credit Officer and Chief Risk Officer and senior management team in any ad hoc queries or projects as they arise.

· Keep up-to-date with all relevant legal and regulatory developments across sectors.

· Respond to information requests from the bank’s regulators as required.

· Helping to develop and implement new lending products, setting the associated lending and risk criteria

· Compiling, assessing, and reporting credit risk information to the relevant committees

Requirements:

· Previous general Banking experience including specific approving of Credit in a second line of defence role.

· Previous experience of a broad range of commercial business sectors

· Good knowledge of risk oversight and assurance assessments, processes, and reporting.

· Strong knowledge of real estate, mid-market corporate business credit risk and financial analysis.

· Robust Credit reporting experience.

· Competent user of Microsoft Excel, Word and PowerPoint.

· Prepare and present credit reports for deals up to £40m.

· Experience across the entire credit lifecycle, including distressed debt/restructuring would be advantageous.

· Knowledge of the Basel accords, Credit Risk Regulations and IFRS9 reporting requirements

· Educated to degree level/relevant professional qualification or able to demonstrate suitable level of experience.

· Experience of working in a fast-paced environment that requires quick decision making

· Strong interpersonal skills with the ability to work across teams

· Deep knowledge of the regulatory environment

Salary & Benefits:

Competitive basic salary, dependent upon experience. Various other benefits including an annual cash allowance, generous non-contributory pension, annual discretionary bonus, healthcare, life cover and more.

Great career opportunities for ambitious top performers as the bank continues to grow and diversify.

Seniority level

• Seniority level

  Director

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance, Analyst, and Other

• Industries

  Banking and Financial Services

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