Reporting to: Head of Credit Administration
We are seeking a diligent and detail‑oriented Credit Administration Officer to join an established international bank based in Moorgate. This is an excellent opportunity to play a key role in supporting the full credit lifecycle across a diverse lending portfolio within a regulated UK banking environment.
The Role
You will be responsible for delivering end‑to‑end credit administration support, ensuring all facilities are documented, processed and monitored in line with internal policies and regulatory requirements.
The portfolio is primarily real estate lending (residential & commercial buy‑to‑let), alongside SME working capital, trade finance facilities, and Islamic finance structures.
This is a hands‑on role requiring strong documentation skills, risk awareness, and the ability to manage multiple stakeholders including Relationship Managers, Credit, Operations, panel solicitors and valuers.
Key Responsibilities
Pre‑Disbursement
- Draft facility letters, term sheets, addendums and related documentation following credit approval
- Coordinate appointment of panel solicitors and valuers
- Review valuation reports and legal documentation
- Ensure all Conditions Precedent are satisfied prior to drawdown
- Manage queries from internal and external stakeholders
Disbursement
- Review Reports on Title and valuations, identifying key risks and mitigants
- Process loan disbursements and book limits and collateral in systems
- Liaise with Credit, Operations, Monitoring and Remedial teams
Post‑Completion
- Ensure perfection of security and receipt of executed documentation
- Track and follow up on Conditions Subsequent
- Maintain accurate credit files and audit trails
Ongoing & Control
- Maintain databases covering limits, collateral, insurance, valuation and review dates
- Manage revaluations and liaise with valuers
- Support audits, MI production, UAT and credit‑related projects
- Deliver against internal SLAs
Requirements
- Proven Credit Administration experience within a UK banking environment
- Strong knowledge of Buy‑to‑Let (residential & commercial) and SME lending
- Sound understanding of credit documentation, security perfection and collateral management
- Experience working with solicitors and valuers
- Strong spreadsheet and database skills
- Excellent attention to detail and organisational ability
Exposure to Islamic finance structures (Commodity Murabaha / Diminishing Musharaka) would be advantageous but is not essential.
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