Job Description
Corporate & Commercial Real Estate Underwriter
?? West London (Fully Office-Based) ?? Salary: Competitive, dependent on experience
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
Reporting directly to the Chief Credit Officer, you will play a pivotal role in underwriting and executing lending transactions, while ensuring robust risk management and regulatory compliance.
Key Responsibilities
* Underwrite 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
Key Skills & Experience
* 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 Profile
* Able 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 Interaction
* Senior 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
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