Senior Credit Risk Officer - London, United Kingdom - Caravel

Description

Job Description

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.