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|Salary||£80k to £100k|
|Sector||Credit & Risk Management|
Leading Investment Bank is looking for a Senior Credit Officer to assess, review and sanction Real Estate finance requests (including commercial properties) within delegated lending authority and make recommendations to higher level holders if outside of ad-personal authority.
Liaise with FO, Clients, external Legal and Valuers (as necessary) to assist the structuring of requests.
Mitigate risks and assist with structured lending solutions within policy to meet client needs and banks risks appetite.
Monitor exposures for complex financial structures, review of any conditions, ensure property condition and purpose remain in accordance to proposition (requires periodic property visits).
Ability to assess, structure and review vanilla and complex Lombard transactions (including single-stock and structured lending) including a good knowledge of derivatives and their use would be advantageous.
Ability to manage a team of direct reports, including responsibility for all areas of performance management.
CeMAP / Certificate in Mortgage Advice and Practice.
Extensive experience of real estate lending (and Lombard) lending, preferably with experience from a wealth management background in lending to HNW/UHNW clients and their structures (trusts/SPVs).
Working in a small skilled team in a demanding environment. Experience in dealing with the end-to-end process (underwriting, documenting, liaison with external advisors, closing) with regulated, non-regulated and commercial (retail, office, multi-unit, quasi-hotel financings etc.) real estate. Experience in residential property development finance and hotel lending would also be advantageous.
Previous exposure to Lombard lending (vanilla and structured) would be advantageous. Needs to have up-to-date knowledge of the changes to the regulated mortgage market following the implementation of the FCAs Mortgage Market Review and the EU Mortgage Credit Directive.
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