Grow with UTB

A new job opportunity with United Trust Bank.

Assistant Credit Officer | Credit

An new opportunity to work in our Credit team, where you will be provided with a platform to develop your risk management and credit skills, with the support of a highly experienced Credit Risk team. Understanding Credit is the foundation of bank lending and hence this role provides an excellent development opportunity for any colleagues who want to develop a career in Credit, Risk Management and / or Lending within UTB and beyond. Credit is a fantastic place to learn – as we cover all aspects of lending within UTB. Consequently, the job is varied and fast paced and we work closely together as a team to support the business with delivering their lending strategies.

Department: Credit and Risk 
Reporting to: Head of Credit 
Location: London 
Work pattern: Hybrid 

Job description

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

Main Purpose

To support the effective and efficient management of the Credit Team’s oversight and governance responsibilities with specific responsibility for:

  • Credit Team planning and administration in conjunction with the Head of Credit and Credit Team Heads
  • Credit Committee, Credit Policy Review Committee and Watch &
  • Recoveries Committee Secretariat
  • Support the administration of the Credit Team’s Procedures
  • Support the management of the Banks Professionals Panel
  • Supporting scheduled and ad-hoc projects/tasks and change initiatives
  • Support Credit in the control and reporting of Credit Risk in each of the Bank’s lending units – primarily property related but also asset finance.
  • This includes the review and analysis of submissions to ensure risk is appropriately identified, mitigated and complies with the parameters of Credit Policy and portfolio-risk appetite.
  • Review and approve initial loan drawdowns, ensuring they are compliant with the Conditions of Sanction


Planning and administration:

  • Maintenance of the Credit Team diary/schedule to ensure all policies and procedures are reviewed in a timely manner/in accordance with review cycles
  • Maintenance and monitoring of the Credit Team actions log, prompting the individuals responsible for the Action, to ensure the timely closure of actions from Credit Policy Review Committee, Watch & Recoveries Committee, Internal Audit reviews, Compliance reviews and Operational Risk (inc. RCSA) Reviews
  • Completion and maintenance of the daily credit papers & loan drawdown approvals log, preparing operational reporting as required

Committee Secretariat:

  • Manage the daily Credit Committee schedule and agenda including the preparation and circulation of the agenda and papers, preparation and circulation of minutes
  • Manage the administration of the bi-monthly Credit Policy Review Committee including preparation of the agenda, collation of agenda item papers, preparation and circulation of the Committee pack, preparation and circulation of minutes.
  • Preparation and circulation of the monthly Watch & Recoveries Committees minutes

Professionals Panel Management:

  • Support the management of the Bank’s central professionals panel list including requests for additions and deletions.
  • Support the annual review process in accordance with the Professional Panel Procedures including review requests, collation of responses and preparation of reviews to Credit Policy Review Committee and the Lending Unit Business Management Committees

Underwriting and File Draw Downs:

  • Provide assistance as required in reviewing and analysing submissions to Credit Committee
  • Provide support and assistance as required in the review of completions for Property Development and Structured Finance

Credit Team Procedures:

  • Support the administration of the Credit Team’s Procedures, working with the team to ensure that Procedures are fit for purpose and reviewed in a timely manner

Skills and Experience sought:

  • Good Microsoft Office skills (Word, Excel and PowerPoint)
  • Experience of working in a banking environment/some experience of credit risk would be an advantage
  • 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
  • Resourceful, with an ability to work independently without close supervision
  • Demonstrable alignment with UTB’s core values of Teamwork, Service,
  • Integrity, Tenacity and Responsibility

Career Development Opportunity:

  • This role provides excellent career development opportunities for any colleague wishing to pursue a career in Credit, Risk Management and / or Lending within UTB and beyond
  • It will provide an insight into the operations of all UTB’s Divisions and an exposure to critical Corporate Governance forums
  • Understanding Credit is fundamental to anyone who wants to develop a career in Banking and provides a solid foundation to lending
  • Within the Credit Risk team we are fortunate to have a number of colleagues with extensive and technical experience who will commit to supporting you in developing your skills and wider career journey
  • Credit is a fantastic place to learn – as we cover all aspects of lending within UTB. Consequently, the job is varied and fast paced and we work closely together as a team to support the business with their lending strategies
  • Where appropriate we also commit to sponsorship of a relevant qualification

About UTB

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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.

Employee benefits

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Remuneration and Benefits 

  • 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

Apply Now

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