We are currently hiring for an International Bank for the position of Credit Underwriter - Corporate, CRE & BTL Lending.

Location: Harrow Branch Employment Type: Full-Time

Role Overview

We are seeking an experienced Credit Underwriter to join our Credit team, responsible for underwriting and processing a range of lending proposals including Corporate, Commercial Real Estate (CRE), Buy-to-Let (BTL), and Personal Loans. The role involves end-to-end credit assessment, portfolio monitoring, and stakeholder management to ensure high-quality lending decisions aligned with regulatory standards.

* Knowledge of UK lending environment * 4-10 Years' experience in underwriting or assessing credit proposals.

Key Responsibilities

Underwrite Corporate, CRE, Personal, and BTL loan proposals, ensuring effective execution of transactions. Assess and process lending proposals received from the business team and present recommendations to the Sanctioning Committee. Conduct annual reviews of the existing credit portfolio, ensuring compliance with borrowing requirements and covenants. Minimize credit risk in line with internal policies and regulatory standards; conduct site visits where required. Collaborate with the Originations team to determine clear rationale for approval or rejection of applications. Monitor the existing loan portfolio, identifying early arrears or potential problem accounts, and recommend appropriate actions. Ensure all credit decisions adhere to regulatory requirements, TCF (Treating Customers Fairly), and Customer First principles. Support the Chief Credit Officer (CCO) in operational and strategic activities within the Credit Department. Liaise with Solicitors and Valuation Firms to ensure smooth end-to-end execution of credit proposals. Prepare and present proposals to the Risk Committee and senior management for product approvals, renewals, and introductions.

Key Requirements

Proven experience in credit underwriting across Corporate, CRE, BTL, and/or Retail lending. Strong knowledge of credit risk assessment, financial analysis, and loan structuring. Experience presenting cases to Credit/Sanctioning Committees. Understanding of regulatory frameworks and compliance standards (including TCF principles). Ability to manage credit portfolios, annual reviews, and covenant monitoring. Excellent stakeholder management skills, with experience liaising with internal teams and external partners (brokers, solicitors, valuers). Strong analytical, decision-making, and communication skills