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Commercial Retail Underwriter - London

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Job ID:

82686

Location:

London 

Salary:

£40,000.00 per year
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Job Views:

6

Posted:

27/02/2019
col-wide 

Job Description:

We are looking for Commercial Underwriter for one of our Clients to join their growing team in Manchester and corporate office at London.

Our client is an International Public Sector banking and financial services company.

JOB ROLE

  • Processing and underwriting of Commercial Retail Credit proposals

JOB RESPONSIBILITY

  • To underwrite Commercial Retail / Real Estate Credit proposals.
  • To provide support to the Head Retail Credit in all operational areas of the Retail Credit Department.
  • Manage the assessment and processing of lending proposals from the Retail network primarily of CRE or Commercial Retail Credit , and presentation of proposals to Sanctioning Committee.
  • Operational responsibility for the annual review process for all existing credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to.
  • Manage the review, assessment, investigation and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
  • Provide a clear rationale for agreeing or rejecting applications, prior to submitting to the Head Retail Credit.
  • Monitoring of existing loan portfolio, identifying early arrears or potential problem accounts and making necessary recommendations.
  • Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First standards.
  • Design and deliver credit training to branches to ensure full understanding of policies and practices.
  • Deputise for the Head Retail Credit as required.
  • Liasioning with Solicitors / Valuation Firms for end to end solution for credit proposals
  • Presentation to Risk Committee and other UK management committees for introduction and renewal of new / exisiting products.

Competency

  • CEMAP qualified preferably
  • Must have minimum of four years strong experience in Commercial underwriting or assessing credit proposals.
  • Knowledge of UK real estate Market/Intermediaries Market and Balance sheet analysis
  • Experience in Commercial Retail Credit is must.
  • Candidate must have handled the Commercial Retail Credit deals upto 5 millions.
  • Knowledge of Microsoft Office products
  • Knowledge of UK regulatory framework, principles and rules
  • Knowledge of fraud Detection Tools/systems like Hunter/CIFAS
  • Ability to work alone or as part of a team
  • Enthusiastic and willing to accept new challenges
  • Careful and diligent with good attention to detail
  • Ability to take a measured view, balancing risk management against business need.
  • Ability to clearly articulate opinions and summarise complex arguments

If you feel interested in the role and have the required expereince and qualifications, 'Apply' immediately.

Company Info
BLUSPEC RECRUITMENT LIMITED

Company Profile



Company Info

BLUSPEC RECRUITMENT LIMITED

Phone:
Web Site:

Commercial Retail Underwriter - London

col-narrow-left 

Job ID:

82686

Location:

London 

Salary:

£40,000.00 per year
col-narrow-right 

Job Views:

6

Posted:

27/02/2019
col-wide 

Job Description:

We are looking for Commercial Underwriter for one of our Clients to join their growing team in Manchester and corporate office at London.

Our client is an International Public Sector banking and financial services company.

JOB ROLE

  • Processing and underwriting of Commercial Retail Credit proposals

JOB RESPONSIBILITY

  • To underwrite Commercial Retail / Real Estate Credit proposals.
  • To provide support to the Head Retail Credit in all operational areas of the Retail Credit Department.
  • Manage the assessment and processing of lending proposals from the Retail network primarily of CRE or Commercial Retail Credit , and presentation of proposals to Sanctioning Committee.
  • Operational responsibility for the annual review process for all existing credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to.
  • Manage the review, assessment, investigation and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
  • Provide a clear rationale for agreeing or rejecting applications, prior to submitting to the Head Retail Credit.
  • Monitoring of existing loan portfolio, identifying early arrears or potential problem accounts and making necessary recommendations.
  • Ensure the credit decisions are made within regulatory standards and adhere to TCF principles and Customer First standards.
  • Design and deliver credit training to branches to ensure full understanding of policies and practices.
  • Deputise for the Head Retail Credit as required.
  • Liasioning with Solicitors / Valuation Firms for end to end solution for credit proposals
  • Presentation to Risk Committee and other UK management committees for introduction and renewal of new / exisiting products.

Competency

  • CEMAP qualified preferably
  • Must have minimum of four years strong experience in Commercial underwriting or assessing credit proposals.
  • Knowledge of UK real estate Market/Intermediaries Market and Balance sheet analysis
  • Experience in Commercial Retail Credit is must.
  • Candidate must have handled the Commercial Retail Credit deals upto 5 millions.
  • Knowledge of Microsoft Office products
  • Knowledge of UK regulatory framework, principles and rules
  • Knowledge of fraud Detection Tools/systems like Hunter/CIFAS
  • Ability to work alone or as part of a team
  • Enthusiastic and willing to accept new challenges
  • Careful and diligent with good attention to detail
  • Ability to take a measured view, balancing risk management against business need.
  • Ability to clearly articulate opinions and summarise complex arguments

If you feel interested in the role and have the required expereince and qualifications, 'Apply' immediately.