Grow with UTB

This is a hybrid role 3 days in the office (City of London location) and 2 days working from home.

Role Purpose:

This is a key role within the Credit Risk function supporting the Credit Risk Team in granting credit approvals, underwriting and helping to further build the processes and infrastructure of Credit Risk function. The role would suit individuals at the early stages of their career or those looking to accelerate their understanding of risk management. The role provides strong development opportunities in credit risk management, debt structuring and deal due diligence. The roleholder will benefit from exposure across a large variety of UTB’s product areas and frequent attendance at Credit Committee.

Key Responsibilities

• Support the Head of Property Credit and Credit Director in the management of the Credit Risk Team’s workflow and allocation.
• Triage credit proposals to ensure they follow the correct approval route, and all key information has been submitted.
• Completion and maintenance of workflow trackers and drawdown approvals log, preparing routine and ad-hoc reporting as required.
• Primary Secretariat for Credit Committee including production and circulation of the agenda and papers.
• Attendance at Credit Committee and other Credit Risk forums and producing high quality and accurate minutes capturing all conditions of sanction.
• Undertake review as required in reviewing and analysing submissions to Credit Committee or Senior Credit Officers.
• Review due diligence on corporate and commercial loans, reviewing valuations, construction reports and ensuring conditions of sanction are met.
• Support the administration and ongoing development of the Credit Team’s process and procedures.
• Support the Head of Property Credit in producing credit guidance and training for deal teams.

Skills and Experience 

• A team player with excellent relationship building skills and the ability to collaborate effectively with multiple stakeholders
• Strong communication skills: oral, written and presentation
• Good planning and organisational skills with the ability to manage multiple tasks and priorities and deliver timely completion
• Attention to detail

UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

• Competitive Salary and Bonus package
• 26 Days Holiday
• 2 Wellbeing Days
• Contributory Pension
• Life Insurance / Income Protection / Critical Illness cover
• Private Medical Insurance
• Season Ticket Loans
• Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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