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