Job Description
Learning will be through a combination of a formal taught course delivered in-house together with on-the-job training in the fundamentals of credit underwriting. The expectation is that the role is a gateway into a career in property finance.
Key Accountabilities
- Learning the basics of secured property lending including product structures, approaches to credit risk assessment and appraising property securities
- Learning how to make up case files including online searches such as Land Registry, Credit Searches, Company searches, Rightmove searches
- Understanding how to interpret the above searches and underwrite individual cases
- Learning how to assess valuation reports as well as monitoring surveyor reports for live construction projects
- Preparation of legal documentation associated with lending
- Entering and maintaining appropriate data within the loan operating systems
- Assisting established underwriters, case managers & portfolio managers in preparing credit papers
- Liaising with external parties, i.e. valuers, solicitors & monitoring surveyors to progress cases towards completion
- Assisting with continuous improvement and change projects through conducting ad-hoc analysis, process engineering, testing, and business readiness implementation
This list is not exhaustive and the duties are liable to change from time to time in line with the needs of the department.
Skills & Competencies
- Be highly numerate
- Be commercially astute/entrepreneurial
- Have good verbal communication skills, including telephone manner
- Have good written communication skills
- Pay close attention to detail
Knowledge & Qualifications
- A good working knowledge of core MS Applications (Excel, Word & PowerPoint)
- Must have Graduated from University with a minimum 2:1 bachelors degree
Personal Attributes
- Be confident and articulate
- Be self-motivated and results driven
- Have high personal standards of delivery and output
- Be well organised
- Be resilient to time pressure
Company Values - CREDIT
C
Customer - Customers are our primary focus
R
Results - Results matter, create value every day
E
Energy is contagious, Share it!
D
Developing our people makes us different
I
Invent the solution - be proactive
T
Teamwork - Together we can build the business