Senior Credit Officer

Arbuthnot Latham; Greater London; On-site; GBP 42,000 - 54,000; Full time

Benefits offered by this job

Holiday allowance (buy/sell/rollover)

Pension

Life Assurance

Discretionary Bonus

Flexible benefits

Job summary

Arbuthnot Latham in Greater London is seeking a Credit Operations professional to support the end-to-end lending process, from pre-drawdown to documentation, monitoring and recovery. You will prepare facility letters, review ESIS for Regulated Mortgage Contracts, maintain credit limits and liaise with solicitors and valuers, contributing to compliant, customer-centric service.

The role requires strong banking knowledge, ability to work under pressure, and collaboration with front office while

Qualifications

• Good banking background with emphasis on Credit.
• Detailed knowledge around all areas of Lending.
• Experience with High Net Worth clients.
• Working knowledge of CCA and MCOB rules.
• Multi-tasking capability.

Responsibilities

• Completion of Pre-Drawdown formalities including assessing and validating valuation reports.
• Preparation of Facility Letters for all lending facilities ensuring proper documentation to protect the Bank.
• Review of ESIS documents for Regulated Mortgage Contracts.
• Provide oversight and sign off in accordance with procedures.
• Maintain, input and renew Credit limits.
• Prepare Instruction letters to Solicitors and Valuers.
• Liaising with Solicitors and Valuers as appropriate.
• Preparation of Legal Charges.
• Assist with the completion of required returns to the FCA.
• Assist with Credit queries and solutions.
• Build and monitor stakeholder relationships for quality service.
• Involvement with project work as opportunities arise.
• Perform other tasks as assigned by Head of Credit Operations.

Skills

Credit underwriting

Lending knowledge

Regulatory knowledge

Stakeholder management

MS Office

Education

Banking qualification

Tools

CRM systems

Microsoft Office

Banking systems

Job description

Arbuthnot Latham has been associated with banking since 1833. We combine private and commercial banking, wealth planning and investment management. We believe in traditional relationship and service-led banking powered by modern technology.

Job Purpose

To be part of a busy Credit department whose involvement with the Bank’s Credit process is comprehensive – from initiation through to documentation, monitoring and control through to recovery.

• Preparation, review and control of lending documentation.
• Must be able to provide a first class service to the front office whilst ensuring that the lending complies with the Bank’s policies and procedures.
• Will be expected to carry out duties with minimal supervision and provide a level of mentoring to junior colleagues.
• Provide a certain level of cover in the absence of the Head of Credit Operations.

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.

Key Responsibilities:

• Completion of Pre-Drawdown formalities including assessing and validating valuation reports
• Preparation of Facility Letters for all lending facilities ensuring that each transaction is properly documented in order to protect the Bank
• Review of ESIS documents for Regulated Mortgage Contracts
• Providing a level of oversight and sign off in accordance with the Bank’s agreed procedures
• Maintain, input and renew Credit limits
• Prepare Instruction letters to Solicitors and Valuers
• Liaising with Solicitors and Valuers where appropriate
• Preparation of Legal Charges
• Assist with the completion of required returns to the FCA
• Assist with Credit queries and seek solutions to issues that may arise
• Build and monitor good stakeholder relationships to ensure quality service is provided at all times
• Involvement with project work as and when opportunity arises
• To perform other tasks as assigned by the Head of Credit Operations

Risk:

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Person Specification

Knowledge / Experience/ Skills:

• Good banking background with the emphasis on Credit
• Detailed and demonstrable knowledge around all areas of Lending
• Experience with High Net Worth clients
• Have a working knowledge of CCA and MCOB rules
• Multi-tasking capability
• Ability to work under pressure with a heavy workload
• A good understanding of Banking Systems and be IT literate, and a high understanding of Microsoft office
• Good written and verbal communications skills are essential for this role
• Excellent time management and organizational skills
• Client Focus
• Team Working
  
• Working Proactively

About Us

Life, Work and Benefits

At Arbuthnot Latham, we seek proactive individuals who embrace high standards and bring the energy needed to drive success. In return, you can thrive in a dynamic environment that values your innovative ideas and provides the stability and support for your personal and professional growth. Our human-scale ethos means that everyone is recognised as an individual, not just a number, creating a workplace where you truly belong and thrive.

As a service led, relationship driven bank, in-person collaboration and wellbeing are important to us and drives our inclusive culture. With this in mind we offer one day a week working from home.

• Competitive holiday allowance with the ability to buy / sell / rollover up to five days per year
• Pension via market leading provider
• 4x Life Assurance
• Discretionary Bonus
• Access to a suite of flexible benefits including Cycle to Work Scheme, Gym Scheme, Health Assessment, Season Ticket / Travel loans and Dental insurance as well as other discounts / vouchers

Data Privacy and Reasonable adjustments

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Reasonable adjustments : Please let us know of any adjustments or arrangements that you may need to help you apply to this role or that will help you during the recruitment process. If you wish to discuss any particular requirements or concerns you have because of a disability or medical condition please contact us at [e-mail]. Information you provide about any disability or medical condition will remain confidential unless it is necessary to disclose it to other members of staff or outside agencies to ensure the health and safety of yourself and others, or to implement the adjustments you require. In these circumstances we will first discuss with you how and to whom the information may be disclosed.