Director - Senior Credit Underwriter - Commercial Banking Location: London The Bank An established, growing, stable and successful challenger bank who focus on business finance in a small number of carefully chosen markets. A specialist bank, staffed by experts who are determined to help UK businesses realise their ambitions. Main responsibilities of role: Conduct the assessment of mid-market general corporate senior debt facilities with experience in real estate finance, healthcare, hospitality, and leisure, within primary lending discretion or recommend for approval to credit committee. Act as 2LOD lead for the approach to the healthcare, hospitality and leisure sectors and take responsibility alongside the credit reporting team for understanding the back book and recommending approach to front book appetite on an ongoing basis. Ability to communicate complex matters effectively to senior stakeholders. Manage workflow of lending proposals to provide timely responses in line with business priorities. Support the application of effective credit risk management standards through the implementation of agreed business wide and departmental policies and procedures Lead and participate in projects to improve loan sanctioning and credit management processes & policies. Ensure new Credit proposals within each business unit are reviewed and approved in line with agreed Risk Appetite and approval frameworks. Assist with providing clarifications over all policy-related matters and proposing process improvements where necessary. Maintain a close relationship with the business unit teams. Support discussion on Credit related matters at the relevant business Executive Committees. Produce and share key portfolio insights to allow the committee to make informed decisions in respect of strategy and risk management. Maintain an effective risk management framework, including reporting against risk appetite metrics, and maintaining appropriate lending policies, underwriting manuals and processes. Participate in all relevant internal committees and forums, including credit committees, models governance committee and economic assumptions committee. Assume responsibility for the content of reports going to various stakeholders, including regulators and Executive and Board Risk Committees. Support the Chief Credit Officer and Chief Risk Officer and senior management team in any ad hoc queries or projects as they arise. Keep up-to-date with all relevant legal and regulatory developments across sectors. Respond to information requests from the bank's regulators as required. Helping to develop and implement new lending products, setting the associated lending and risk criteria Compiling, assessing, and reporting credit risk information to the relevant committees Requirements: Previous general Banking experience including specific approving of Credit in a second line of defence role. Previous experience of a broad range of commercial business sectors Good knowledge of risk oversight and assurance assessments, processes, and reporting. Strong knowledge of real estate, mid-market corporate business credit risk and financial analysis. Robust Credit reporting experience. Competent user of Microsoft Excel, Word and PowerPoint. Prepare and present credit reports for deals up to £40m. Experience across the entire credit lifecycle, including distressed debt/restructuring would be advantageous. Knowledge of the Basel accords, Credit Risk Regulations and IFRS9 reporting requirements Educated to degree level/relevant professional qualification or able to demonstrate suitable level of experience. Experience of working in a fast-paced environment that requires quick decision making Strong interpersonal skills with the ability to work across teams Deep knowledge of the regulatory environment Salary & Benefits: Competitive basic salary, dependent upon experience. Various other benefits including an annual cash allowance, generous non-contributory pension, annual discretionary bonus, healthcare, life cover and more. Great career opportunities for ambitious top performers as the bank continues to grow and diversify.
Jun 27, 2025
Full time
Director - Senior Credit Underwriter - Commercial Banking Location: London The Bank An established, growing, stable and successful challenger bank who focus on business finance in a small number of carefully chosen markets. A specialist bank, staffed by experts who are determined to help UK businesses realise their ambitions. Main responsibilities of role: Conduct the assessment of mid-market general corporate senior debt facilities with experience in real estate finance, healthcare, hospitality, and leisure, within primary lending discretion or recommend for approval to credit committee. Act as 2LOD lead for the approach to the healthcare, hospitality and leisure sectors and take responsibility alongside the credit reporting team for understanding the back book and recommending approach to front book appetite on an ongoing basis. Ability to communicate complex matters effectively to senior stakeholders. Manage workflow of lending proposals to provide timely responses in line with business priorities. Support the application of effective credit risk management standards through the implementation of agreed business wide and departmental policies and procedures Lead and participate in projects to improve loan sanctioning and credit management processes & policies. Ensure new Credit proposals within each business unit are reviewed and approved in line with agreed Risk Appetite and approval frameworks. Assist with providing clarifications over all policy-related matters and proposing process improvements where necessary. Maintain a close relationship with the business unit teams. Support discussion on Credit related matters at the relevant business Executive Committees. Produce and share key portfolio insights to allow the committee to make informed decisions in respect of strategy and risk management. Maintain an effective risk management framework, including reporting against risk appetite metrics, and maintaining appropriate lending policies, underwriting manuals and processes. Participate in all relevant internal committees and forums, including credit committees, models governance committee and economic assumptions committee. Assume responsibility for the content of reports going to various stakeholders, including regulators and Executive and Board Risk Committees. Support the Chief Credit Officer and Chief Risk Officer and senior management team in any ad hoc queries or projects as they arise. Keep up-to-date with all relevant legal and regulatory developments across sectors. Respond to information requests from the bank's regulators as required. Helping to develop and implement new lending products, setting the associated lending and risk criteria Compiling, assessing, and reporting credit risk information to the relevant committees Requirements: Previous general Banking experience including specific approving of Credit in a second line of defence role. Previous experience of a broad range of commercial business sectors Good knowledge of risk oversight and assurance assessments, processes, and reporting. Strong knowledge of real estate, mid-market corporate business credit risk and financial analysis. Robust Credit reporting experience. Competent user of Microsoft Excel, Word and PowerPoint. Prepare and present credit reports for deals up to £40m. Experience across the entire credit lifecycle, including distressed debt/restructuring would be advantageous. Knowledge of the Basel accords, Credit Risk Regulations and IFRS9 reporting requirements Educated to degree level/relevant professional qualification or able to demonstrate suitable level of experience. Experience of working in a fast-paced environment that requires quick decision making Strong interpersonal skills with the ability to work across teams Deep knowledge of the regulatory environment Salary & Benefits: Competitive basic salary, dependent upon experience. Various other benefits including an annual cash allowance, generous non-contributory pension, annual discretionary bonus, healthcare, life cover and more. Great career opportunities for ambitious top performers as the bank continues to grow and diversify.
Relationship Director - Real Estate Finance The Bank: An established, well-funded and capitalised UK Bank with a 70-year track record. From their offices throughout the UK the Bank's lending businesses focus on Asset Based Lending, Motor Finance, Retail Finance and Real Estate Finance. Customers are at the heart of everything the Bank does, and people are their biggest investment. A career with this Bank is not just a job, it's the chance to be part of something bigger and play a role in building the best bank in Britain. The Bank believes in giving their employees autonomy and recognising initiative and exceptional performance through a variety of individual and team awards and incentives. How You Will Be Rewarded: This is an opportunity to be part of an established team within an established but growing and diversifying bank and division. This is a chance to be part of a small and nimble organisation where career opportunities are there for the taking as they continue to grow. You will receive a competitive basic salary, generous discretionary bonus plus pension, healthcare, and other benefits. Business Area Summary: Real Estate Finance is a core and extremely important, growing part of the Bank's business. Everything they do is focused on providing industry expertise and financial support so property investors and developers can realise their ambitions. From family homes to mixed-use schemes or student accommodation, their funding specialists support property development and investment projects throughout the UK. Role Summary: As a Relationship Director, you will pro-actively manage and grow a portfolio of clients who are typically but not exclusively located in and around London and the South East of England. Key Responsibilities will include: Deliver a continuous pipeline of new business opportunities through existing customers and introducers / brokers. Accountable for pro-active management (Credit, Financial, Operational, Reputational) of the portfolio from origination, in-life to close-out / repayment in line with company policy and procedures. Maintain and grow an introducer network to support requirement for new business. Build strong relationships with those sources to support the origination of REF transactions, developing new markets and competitor intelligence. Optimising risk weighted assets, liquidity management (e.g., use of variable and fixed rate), return on equity / profitability of individual deals and the portfolio through appropriate customer negotiations. Comply with REF strategy, risk, regulatory and operational policies. To positively represent and promote the REF proposition in the external market. Collaborate with the wider REF team and other internal business units to deliver great customer outcomes. Ability to articulate new business propositions and annual reviews (quality credit applications, deal specifics and detailed risk appraisals) to Credit Committee. Accountable for execution of all Conditions Precedent and Conditions Subsequent as agreed with the Credit sanctioning body. Accountable for the completion of detailed analysis of professional panel input as part of the credit application process, including valuations, IMS reports, legal input. Responsible for ensuring the preparation and completion of Customer Due Diligence / Anti-Money Laundering documentation. You Will Need: Advanced technical skills and experience in the structuring of REF transactions / customer proposals to achieve best outcomes for customers and the Bank. Extensive experience of UK Real Estate Finance within the Financial Services Industry. Proven track record in key relationship management and business origination / development.
Jun 10, 2025
Full time
Relationship Director - Real Estate Finance The Bank: An established, well-funded and capitalised UK Bank with a 70-year track record. From their offices throughout the UK the Bank's lending businesses focus on Asset Based Lending, Motor Finance, Retail Finance and Real Estate Finance. Customers are at the heart of everything the Bank does, and people are their biggest investment. A career with this Bank is not just a job, it's the chance to be part of something bigger and play a role in building the best bank in Britain. The Bank believes in giving their employees autonomy and recognising initiative and exceptional performance through a variety of individual and team awards and incentives. How You Will Be Rewarded: This is an opportunity to be part of an established team within an established but growing and diversifying bank and division. This is a chance to be part of a small and nimble organisation where career opportunities are there for the taking as they continue to grow. You will receive a competitive basic salary, generous discretionary bonus plus pension, healthcare, and other benefits. Business Area Summary: Real Estate Finance is a core and extremely important, growing part of the Bank's business. Everything they do is focused on providing industry expertise and financial support so property investors and developers can realise their ambitions. From family homes to mixed-use schemes or student accommodation, their funding specialists support property development and investment projects throughout the UK. Role Summary: As a Relationship Director, you will pro-actively manage and grow a portfolio of clients who are typically but not exclusively located in and around London and the South East of England. Key Responsibilities will include: Deliver a continuous pipeline of new business opportunities through existing customers and introducers / brokers. Accountable for pro-active management (Credit, Financial, Operational, Reputational) of the portfolio from origination, in-life to close-out / repayment in line with company policy and procedures. Maintain and grow an introducer network to support requirement for new business. Build strong relationships with those sources to support the origination of REF transactions, developing new markets and competitor intelligence. Optimising risk weighted assets, liquidity management (e.g., use of variable and fixed rate), return on equity / profitability of individual deals and the portfolio through appropriate customer negotiations. Comply with REF strategy, risk, regulatory and operational policies. To positively represent and promote the REF proposition in the external market. Collaborate with the wider REF team and other internal business units to deliver great customer outcomes. Ability to articulate new business propositions and annual reviews (quality credit applications, deal specifics and detailed risk appraisals) to Credit Committee. Accountable for execution of all Conditions Precedent and Conditions Subsequent as agreed with the Credit sanctioning body. Accountable for the completion of detailed analysis of professional panel input as part of the credit application process, including valuations, IMS reports, legal input. Responsible for ensuring the preparation and completion of Customer Due Diligence / Anti-Money Laundering documentation. You Will Need: Advanced technical skills and experience in the structuring of REF transactions / customer proposals to achieve best outcomes for customers and the Bank. Extensive experience of UK Real Estate Finance within the Financial Services Industry. Proven track record in key relationship management and business origination / development.
Senior Originator - Real Estate Finance The Bank A stable, successful, fast paced, ambitious and growing banking group with exciting and substantial growth plans. From offices throughout the UK, they offer a wide range of competitive personal and business lending and savings products. What's on offer The chance to work for an established but nimble growing bank. A field-based role with no geographic restrictions on where you can do business. A best-in-class benefits package, a competitive basic salary and annual discretionary bonus of up to 100%. A supportive and caring culture within a bank that recognises success and offers clear career development opportunities for ambitious employees. The Team Focused on transactions of GBP 1-50m for income producing real estate and commercial owner occupiers - this can include but is not limited to commercial and residential investment loans and operating businesses such as PBSA, BTR, Care homes and Hotels. The Role To originate and execute debt transactions aligned to the banks risk appetite. You'll play a significant part in growing the banks lending exposure to good quality commercial real estate and managing introducer relationships, whilst at the same time supporting senior management with the sales and marketing strategy and product reviews. You'll need to be An experienced origination focused commercial banker with a real estate finance specialism. You'll come with a recent successful track record of winning new business along with a relevant introducer network. You'll possess the skills and the ability to assess, write and present complex lending proposals.
Jun 10, 2025
Full time
Senior Originator - Real Estate Finance The Bank A stable, successful, fast paced, ambitious and growing banking group with exciting and substantial growth plans. From offices throughout the UK, they offer a wide range of competitive personal and business lending and savings products. What's on offer The chance to work for an established but nimble growing bank. A field-based role with no geographic restrictions on where you can do business. A best-in-class benefits package, a competitive basic salary and annual discretionary bonus of up to 100%. A supportive and caring culture within a bank that recognises success and offers clear career development opportunities for ambitious employees. The Team Focused on transactions of GBP 1-50m for income producing real estate and commercial owner occupiers - this can include but is not limited to commercial and residential investment loans and operating businesses such as PBSA, BTR, Care homes and Hotels. The Role To originate and execute debt transactions aligned to the banks risk appetite. You'll play a significant part in growing the banks lending exposure to good quality commercial real estate and managing introducer relationships, whilst at the same time supporting senior management with the sales and marketing strategy and product reviews. You'll need to be An experienced origination focused commercial banker with a real estate finance specialism. You'll come with a recent successful track record of winning new business along with a relevant introducer network. You'll possess the skills and the ability to assess, write and present complex lending proposals.
Chamberlain Career management
Cardiff, South Glamorgan
AML Manager Commercial Banking Location: remote The Bank: For over 50 years theyve been making a difference to the lives of their cu stomers, helping them achieve their hopes and dreams. The Bank is majority owned by a charitable foundation that awards grants to registered charities in the UK and overseas click apply for full job details
Dec 19, 2022
Full time
AML Manager Commercial Banking Location: remote The Bank: For over 50 years theyve been making a difference to the lives of their cu stomers, helping them achieve their hopes and dreams. The Bank is majority owned by a charitable foundation that awards grants to registered charities in the UK and overseas click apply for full job details
Head of Origination Residential Development The business: Our client is a private investment group, now in its third decade of trading, located in Greater Manchester and London. The group is now working in partnership with lenders across the market to transform development finance. Their unique product supports more SME housebuilding across England and Wales by removing sales risk and increasing re click apply for full job details
Dec 13, 2022
Full time
Head of Origination Residential Development The business: Our client is a private investment group, now in its third decade of trading, located in Greater Manchester and London. The group is now working in partnership with lenders across the market to transform development finance. Their unique product supports more SME housebuilding across England and Wales by removing sales risk and increasing re click apply for full job details
Senior Origination Director Residential Development The business: Our client is a private investment group, now in its third decade of trading, located in Greater Manchester and London. The group is now working in partnership with lenders across the market to transform development finance. Their unique product supports more SME housebuilding across England and Wales by removing sales risk and incre click apply for full job details
Dec 13, 2022
Full time
Senior Origination Director Residential Development The business: Our client is a private investment group, now in its third decade of trading, located in Greater Manchester and London. The group is now working in partnership with lenders across the market to transform development finance. Their unique product supports more SME housebuilding across England and Wales by removing sales risk and incre click apply for full job details
Senior Recruitment Consultant Risk & Compliance Location: home based; anywhere in the UK Chamberlain Career Management is an established, growing and successful UK based recruitment company that specialises in the commercial banking and alternative finance sectors. Our clients include established UK banks, peer to peer lenders, new entrant challenger banks, fintechs, building societies, UK based ov click apply for full job details
Dec 12, 2022
Full time
Senior Recruitment Consultant Risk & Compliance Location: home based; anywhere in the UK Chamberlain Career Management is an established, growing and successful UK based recruitment company that specialises in the commercial banking and alternative finance sectors. Our clients include established UK banks, peer to peer lenders, new entrant challenger banks, fintechs, building societies, UK based ov click apply for full job details
Underwriter Senior Credit Assessment & Approval Manager (Commercial Banking & Real Estate Finance) Location: London The Bank: Serves the needs of scale up or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals - market segments that still value human service enabled by great technology...... click apply for full job details
Nov 30, 2021
Full time
Underwriter Senior Credit Assessment & Approval Manager (Commercial Banking & Real Estate Finance) Location: London The Bank: Serves the needs of scale up or medium sized and fast-growing SMEs; professionals; high net worth and mass affluent individuals - market segments that still value human service enabled by great technology...... click apply for full job details