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Senior Credit Officer - Real Estate Finance

Salary £80k to £100k
Type Permanent
Location London
Sector Credit & Risk Management
Job Reference T55/SIMR/25949
Contact Simeon Randell
Date posted 08-05-2017

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 FCA’s Mortgage Market Review and the EU Mortgage Credit Directive.

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Associate, Consultant