Senior Credit Risk Officer

4 weeks ago


London Area, United Kingdom Caravel Full time

We are hiring a senior credit officer for the property finance team of a well-established UK bank.


Here are a few reasons why this might appeal to you:


  • The bank is stable and growing so can offer job security and a structured career path
  • You will work on a variety of property transactions spanning commercial investment and development, residential development, and bridging finance.
  • You will receive a very comprehensive benefits package
  • They have flexible (hybrid) working model


What they need:


  • 10+ years (at least 5 years in the UK market) of property finance credit risk experience gained at a bank and / or an alternate lender.


A more detailed job specification:


Credit Underwriting and Management:

  • Responsibility for credit and risk management.
  • Member of Development Finance, Structured Finance and Bridging Credit Committees.
  • Provide own view in Committee and input to the Chairman on all proposals and comment on any pertinent issues.
  • To deputise for the Chairman at Credit Committee in the absence of the Head of Property Credit / Credit Director.
  • To provide objective and independent Credit risk expert advice to the Lending Units.
  • To provide market and portfolio insight at Credit Policy Review Committee.
  • Identify any deteriorating trends apparent in the Banks’ Lending Portfolios, articulating any concerns to the Head of Property Credit / Credit Director in a timely fashion.


Management of Credit Exposures:

  • Credit signature to approve initial drawdown of loans at inception/completion.
  • Credit signature to approve drawdowns of works under monitoring surveyor certificates.
  • Authority to release funds for completions etc.


Asset Recovery:

  • Assisting, as appropriate, the nominated Senior Credit Officer with the management of the recovery of any impaired assets.
  • From a credit perspective - supporting Lending Divisions with customers with emerging risks / watchlist customers.



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