Commercial Real Estate Underwriter

Main Responsibility

Responsible for the underwriting and processing of Corporate, Commercial Real Estate (CRE), and personal loan proposals, ensuring effective risk assessment and smooth execution of transactions.

Key Responsibilities

• Underwrite Corporate, CRE, and personal loan proposals, ensuring successful deal execution and effective stakeholder management
• Assess and process lending proposals from business teams and present cases to the Sanctioning Committee
• Manage the annual review process for the credit portfolio, ensuring compliance with borrowing terms and covenants
• Evaluate, investigate, and mitigate credit risks in line with internal policies; conduct site visits where required
• Work closely with the Originations team to align on credit decisions and rationale
• Monitor the existing loan portfolio, identify early warning signs, and recommend appropriate actions
• Ensure all credit decisions comply with regulatory requirements and customer-centric standards (TCF)
• Support the Chief Credit Officer (CCO) across operational aspects of the Credit function
• Liaise with solicitors and valuation firms to ensure end-to-end processing of credit proposals
• Present cases to Risk Committee and senior management for approvals and renewals

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