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Deputy Head of Credit

Our Client, a large international Bank, is currently looking for a Deputy Head of Credit. 

 

Key Responsibilities

  • Providing support to the Head of Credit including deputising and presenting to senior management committees.
  • Underwriting and credit risk assessment for real estate loans of up to £30 million, including residential and commercial BTL mortgages, Commercial Mortgages and Bridging/Development finance.
  • Evaluation and underwriting loan proposals for sectors/products such as care homes, hotels , syndication loans, bridging finance,  ensuring risks are highlighted and mitigation strategies are in place.     
  • Review and give an independent view of loan applications ensuring compliance with Credit Policy prior to presentation to Credit Committee.
  • Provide recommendation for updates of lending policies & procedures.
  • Guidance and mentorship to the Credit team (4 credit analysts) and ensuring that they make sound and timely decisions and follow existing policy.. 
  • Monitor portfolio management of new and existing clients via quarterly and annual reviews. 
  • Production of credit MI for local and Group purposes providing in depth loan book analysis. 
  • Other ad hoc duties assigned from time to time by Senior Management. 

 

 

Skills, Experience and Qualifications

Requirements

  • A minimum of 5 years’ experience working in a credit approvals environment.
  • Strong decision making essential with detailed rationale provided
  • Prior/current holder of a delegated lending mandate of minimum £2 million.   
  • Expertise in underwriting real estate finance, commercial mortgages, Buy-to-Let loans,  development loans, bridging finance and hotel & care home financing. Also, Syndicated loans experience is preferrable but not essential.
  • Experience in assessing complex financial statements, cash flow models and credit structures.
  • Should have thorough knowledge in various areas of Credit Administration including process of proposals, credit analysis, security etc.
  • Experience in presenting to the Credit Committee & Board Committees. 
  • Regulatory compliance knowledge and understanding of industry best practices.
  • A self-starter and leadership attributes (people management and relationship skills) who is comfortable working in a fast-paced environment for an organisation with strong lending growth targets 
  • Attention to detail essential
  • Excellent written and verbal communication skills.
  • IT literate with good knowledge of Microsoft Office particularly Word & Excel

 

For further information, please contact: 

Enrico Castagnetti, Wintermann Search & Selection Limited

Mobile:       +44 (0)7711 267500

Email:         enrico@wintermann.co.uk

 

 

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