Senior Credit Risk Specialist

1 month ago


London, Greater London, United Kingdom Montpellier Resourcing Full time
Senior Credit Risk Underwriter

We are seeking an experienced Senior Credit Risk Underwriter to join our team at Montpellier Resourcing Associates Limited. As a key member of our property lending team, you will be responsible for overseeing the underwriting process and managing high-level decisions.

Key Responsibilities:
  • Oversee a personal portfolio of high-volume, complex loans for underwriting, ensuring adherence to SLAs.
  • Make key lending decisions and approve large or complex loan applications.
  • Conduct in-depth analysis of loan applications, reviewing financials, credit histories, property valuations, and other relevant data.
  • Evaluate risks for each loan, considering factors like borrower credit, loan-to-value ratios, and property values.
  • Make informed decisions to approve, deny, or conditionally approve loans based on set criteria.
  • Ensure compliance with company policies, regulatory requirements, and industry standards during the underwriting process.
  • Collaborate with brokers, borrowers, and stakeholders to gather information, clarify requirements, and provide process updates.
  • Assist Underwriting Managers with the evaluation of complex loans.
  • Present property loan cases to Underwriting Managers for funding decisions.
  • Mentor junior team members to help achieve overall team objectives
Requirements:
  • At least 3 years of experience in property finance, specifically in underwriting or credit roles, with a focus on bridging or buy-to-let loans.
  • Proven track record of managing high-volume, complex loans for underwriting.
  • In-depth understanding of mortgage lending principles, risk assessment, loan products, market trends, and regulatory guidelines.
  • Excellent communication skills for effectively interacting with brokers, borrowers, and stakeholders, clearly explaining underwriting decisions.

This is a fantastic opportunity to join a specialist Property Lending company in London and be part of a dynamic team. If you have the skills and experience we are looking for, please apply today.



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