We are seeking an experienced Corporate & Commercial Real Estate (CRE) Underwriter to join a growing Credit function based in West London. This is a key role responsible for assessing, structuring, and managing a diverse portfolio of corporate, CRE, buy-to-let (BTL), and personal lending proposals. The role reports directly to the Chief Credit Officer and involves underwriting and executing lending transactions, while ensuring robust risk management and regulatory compliance.Responsibilities & QualificationsUnderwrite Corporate, CRE, personal, and BTL loan applications, ensuring effective execution of transactions.Assess and process lending proposals from the business team, including presenting cases to the Credit/Sanctioning Committee.Manage end-to-end credit processes, including liaising with clients, introducers, solicitors, and valuation firms.Conduct annual reviews of the existing credit portfolio, ensuring compliance with covenants and lending terms.Monitor loan portfolios, identifying early warning signs, arrears, or potential problem accounts, and make recommendations.Work closely with Originations teams to determine clear rationale for approving or declining applications.Present proposals to Risk and other internal committees for new and existing products.Ensure all credit decisions meet regulatory standards and align with Treating Customers Fairly (TCF) principles.Support the Chief Credit Officer across broader Credit Department activities.Undertake site visits where required.6-10 years' experience in credit underwriting or assessing lending proposals.Strong knowledge of the UK lending environment and regulatory framework.Experience across Corporate and Commercial Real Estate lending (essential).Proficiency in Microsoft Office.Strong analytical and risk assessment skills.Person ProfileAble to work independently and collaboratively within a team.Strong attention to detail with a diligent and methodical approach.Confident communicator with the ability to present complex information clearly.Commercially aware, with the ability to balance risk and business objectives.Proactive, adaptable, and motivated to take on new challenges.Key Stakeholder InteractionSenior leadership including Chief Credit Officer, Chief Banking Officer, and CEO.Business Development teams, Relationship Officers, and Branch Network.Credit Committees and internal product and administration teams. #J-18808-Ljbffr