As a Commercial Real Estate Underwriter you will be responsible for:

• Underwriting Commercial Retail / Real Estate Credit proposals up to GBP 5 million.
• Providing support to the Head Retail Credit in all operational areas of the Retail Credit Department.
• Managing the assessment and processing of lending proposals from the Retail network primarily of CRE or Commercial Retail Credit and presentation of proposals to Sanctioning Committee.
• Operational responsibility for the annual review process for all existing credit portfolio loans to ensure that all borrowing requirements and covenants are being adhered to.
• Managing the review, assessment, investigation and minimising of credit risks associated with loan applications in accordance with the Banks operating policies and procedures.
• Providing a clear rationale for agreeing or rejecting applications, prior to submitting to the Head Retail Credit.
• Monitoring of existing loan portfolio, identifying early arrears or potential problem accounts and making necessary recommendations.

• Liasioning with Solicitors / Valuation Firms for end to end solution for credit proposals
• Presentation to Risk Committee and other UK management committees for introduction and renewal of new / existing products.

As a Commercial Real Estate Underwriter you will need:

• Minimum two years' experience in underwriting or assessing credit proposals.

· Experience within the Commercial Real Estate space.

· Knowledge of Microsoft Office products

• Knowledge of UK regulatory framework, principles and rules
• Knowledge of UK lending environment
• Ability to take a measured view, balancing risk management against business need.
• Ability to clearly articulate opinions and summarise complex arguments