Job Title: Credit Administration Officer – UK
Location: United Kingdom
Salary: Competitive Salary Package + Benefits
Role Overview
This role sits within a small, high-performing Risk team and is responsible for the end-to-end administration of loans, securities, and contingent exposures. The position plays a critical role in ensuring strong credit governance, data integrity, and control across the credit lifecycle within a regulated banking environment.
The successful candidate will bring a strong technical grounding in credit administration, trade finance, and risk controls, with the ability to operate in a detail-oriented, control-focused environment.
Key Responsibilities
Credit Governance & Approval Controls
- Validate approved credit terms (limits, tenor, pricing, collateral, covenants) against policy and delegated authority
- Maintain approval registers and reconcile approved vs booked exposures
- Track conditions precedent/subsequent and prevent unauthorised drawdowns
- Log, monitor, and escape policy exceptions and breaches
Documentation & Legal Coordination
- Prepare facility documentation aligned with approved credit terms
- Coordinate legal review where required, particularly for security enforceability
- Ensure proper execution, perfection, and registration of security
- Maintain document custody and version control
Collateral & Security Management
- Maintain collateral records, valuations, and eligibility criteria
- Monitor coverage ratios and trigger revaluations where required
- Identify and escalate enforceability risks or documentation gaps
- Maintain obligor and group structures with full exposure aggregation
- Escalate breaches or near-breaches in line with policy
- Track financial covenants and testing schedules
- Perform covenant calculations and monitor compliance
- Manage waivers, breaches, and remediation processes
- Administer LCs, guarantees, and SBLCs, ensuring appropriate collateral/margins
- Monitor contingent exposures, maturities, and facility availability
- Reconcile trade finance documentation and SWIFT communications
Data Integrity & Management Information
- Ensure accuracy across core banking and risk systems
- Maintain facility and collateral databases with periodic reconciliation
- Produce MI and dashboards covering utilisation, concentration, and risk indicators
- Support internal and regulatory reporting
Controls & Audit Readiness
- Execute key controls including reconciliations and approval checks
- Maintain documentation for audit and regulatory reviews
- Support control enhancements and remediation initiatives
Risk Identification & Escalation
- Identify early warning signals including covenant stress or documentation gaps
- Escalate concentration, country, and portfolio risks
- Support watchlist reporting with accurate exposure data
Candidate Requirements
- Minimum 7 years’ experience in credit administration within a banking environment
- Strong experience in trade finance (essential)
- Solid understanding of lending operations, credit documentation, and collateral management
- Familiarity with regulatory expectations in a UK banking environment
- Strong Excel and data handling capability
- High attention to detail and strong organisational skills
- Ability to interpret complex documentation and risk data
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