Senior Credit Partner

2 days ago


London, United Kingdom GB Bank Full time

Job summaryThe Senior Credit Partner will play a key role in assessing and underwriting loan applications for our full range of property finance solutions, with a particular focus on portfolio Buy-to-let, Bridging and Commercial Mortgage finance.Key role specific responsibilitiesConducting thorough financial analysis, risk assessment, and due diligence to make informed credit decisions.Using your personal delegated lending authority to underwrite larger, more complex lending transactions, further advances and account reviews in line with GB Bank Lending Policy, Treating Customers Fairly (TCF) and responsible lending principles.Preparing cases that fall outside your personal lending authority and presenting to appropriate authority holders and Committees where required.Collaborating with Business Development Managers (BDMs) and Relationship Managers (RMs) to undertake early-stage assessments of new lending cases, to provide timely indicative terms responses to borrowers and commercial finance brokers.Identifying and reporting cases that show signs of deteriorating credit quality, in line with GB Bank Business Support Policy.Acting as Deputy for the Head of Credit Underwriting during periods of absence e.g. holidays.Providing guidance and support to junior members of the team, sharing knowledge and best practices to enhance team performance.Being an expert in the Bank’s lending policy and a “go-to” referral point for BDM, RM and other Credit team colleagues.Proactively supporting post-underwriting case progression (e.g. oversight of property due-diligence and documentation), as well as supporting post-completion processing and case management (further drawdowns and account reviews).Staying abreast of market trends, regulatory changes, and industry developments to inform decision-making and to identify potential improvements to underwriting systems, policies and procedures.Acting as a subject matter expert, working with colleagues from across the business, on project teams to develop, test and implement improvements to systems and processes.Key Skills & experienceExtensive experience in credit underwriting within the banking or financial services sector covering a variety of sectors, including Real Estate.Strong analytical skills, understanding of credit risk principles, financial analysis techniques and lending regulations.Proven track record of making sound credit decisions using a significant mandate and managing credit risk in a commercial lending environment.Exceptional communication, interpersonal and stakeholder management skills.Able to work independently and as part of a team, prioritising tasks to meet deadlines in a fast-paced environment.Experience in deputising for senior colleagues and managing more junior colleagues.Driven, with a strong desire to exceed expectations.Confident - able to be pragmatic and exercise good judgement.Excited by the opportunity to work in a rapidly growing start-up bank with a strong purpose.Strong organisational skills with the ability to structure workloads efficiently, adapt to shifting priorities, and maintain productivity under pressure.Professional qualificationsDegree/Higher Education Institute (HEI) qualifications are favourableProfessional accreditations from recognised industry bodies and a commitment to continual professional development are preferredSignificant demonstrable experience in relevant roles and organisation is favourable


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