Grow with UTB

A new job opportunity with United Trust Bank.

Senior Credit Officer | Credit

A new opportunity to work in our Credit team who are responsible for the control and reporting of Credit  Risk in the Bank’s lending books by ensuring credit risk is mitigated as prescribed by the Bank and that lending is properly underwritten, managed and monitored.

Job Reference: CR014-24
Department: Credit
Reporting to: Deputy Head of Credit 
Location: London 
Work pattern: Hybrid 

Job description

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

Role Purpose: 

The control and  reporting  of   Credit  Risk  in the Bank’s lending books by ensuring credit risk is mitigated as prescribed by the Bank and that lending is properly underwritten, managed and monitored.

Objectives being:

  • To minimise the risk of loss associated with lending by ensuring that the Bank’s Credit Policy and Risk Appetite are being adhered to
  • To contribute towards the effective control and management of credit risk through independent, qualitative overview and assessment of key Credit and Market risks


 Credit Underwriting and Management:

  • Responsibility for credit and risk management
  • Member of Property Development Finance, Structured Property Finance and Bridging Credit Committees
  • Provide own view in Committee and input to the Chairman on all proposals and comment on any pertinent issues
  • To deputise for the Chairman at Credit Committee in the absence  of the Head of Property Credit / Credit Director
  • To provide objective and independent Credit risk expert advice to the Lending Units
  • To provide market and portfolio insight at Credit Policy Review Committee
  • Identify any deteriorating trends apparent in the Banks’ Lending Portfolios, articulating any concerns to the Head of Property Credit / Credit Director in a timely fashion
  • Liaison with the Credit Director / Head of Property Credit and other Senior Credit Officers to provide cover as and when required

Management of Credit  Exposures:

  • Credit signature to approve initial drawdown of loans at inception/completion
  • Credit signature to approve drawdowns of works under monitoring surveyor certificates.
  • Authority to release funds for completions etc.

Asset Recovery:

  • Assisting, as appropriate, the nominated Senior Credit Officer with the management of the recovery of any impaired assets
  • From a credit perspective – supporting Lending Divisions with customers with emerging risks / watchlist customers

General Matters:

  • Provide coaching and support to the Lending Teams where necessary, including supporting training requirements
  • Supporting the Lending divisions with understanding UTB’s risk appetite and support the management, development, and improvement of processes to optimise Credit risk effectiveness and efficiency, including credit approval processes
  • Manage efficient and accurate file maintenance and account processing
  • Production of management information for Senior Management as required and specifically in accordance with Procedures
  • Contribute towards the preparation of Board papers as required
  • Attend relevant Seminars to keep abreast of market developments

Skills and Experience Sought:

  • 10 years plus experience in a Credit Risk function gained in either a Corporate or Commercial Banking environment
  • Direct experience of Investment Property Credit Risk underwriting and Credit Risk Management including setting Credit parameters
  • Experience of reporting and presenting to Senior Management
  • Sole lending discretion within a Corporate or Commercial Banking environment would be advantageous
  • Highly developed knowledge of Credit Risk underwriting and management in UTB’s sectors/asset classes, particularly the Investment Property areas of residential, commercial and Build to Rent
  • An understanding of the regulatory and legal framework pertaining to credit risk
  • High level of commercial awareness in Credit
  • Ability to deliver clear and succinct communications to colleagues, stakeholders, and peers
  • Strong negotiation skills
  • Ability to deal with challenging situations and issues
  • Problem solving, ability to consider alternative options and rationalise proposed solutions
  • Sound knowledge of providing lending portfolio analysis

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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  • 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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