Grow with UTB

This is a hybrid role – 3 days in the office (City of London location) and 2 days working from home.

Role Purpose: 

Responsible for leading and overseeing the Property Credit sanctioning team within the Credit department, ensuring that the resources of the team are sufficient and appropriately applied to identifying, mitigating, monitoring and reporting those credit risks apparent in the business. The role includes:

• Leading the Property Credit team within the Credit Department, to identify and address both development and training needs
• Attending various committees to provide a direct contribution to the credit decisions being made at both a specific and portfolio level.
• Contributing to the successful growth of the Bank’s business whilst limiting risk of loss, by identifying credit risk regarding business strategies, policies and processes
• Challenging and advising the Bank’s property lending teams in order to mitigate and control credit risks in accordance with relevant risk appetite

Responsibilities: 

• Leading a high performing credit sanctioning team to ensure colleagues deliver their potential
• Supporting business strategy implementation, with particular emphasis on credit risk mitigation
• Ensuring effective processes are in place to identify measure, manage, monitor and report on credit risks
• The sanctioning of credits, final decisions on acceptable credits and the provision of subject matter expertise on credit risk activities across the property lending businesses at UTB
• In conjunction with the Credit Director, managing and driving credit approval processes across each business line
• Contributing to the effective reporting of credit risk exposures across the businesses
• Providing objective and independent Credit Risk expert advice
• Managing, coaching and training the Property Credit sanctioning team as required

Skills and Experience sought: 

• Experience and knowledge of the full range of credit products in the residential and commercial property market and what infrastructure, processes and documentation are needed to support such products
• Have a detailed understanding of the regulatory and legal framework including familiarity with Conduct of Business rules, Anti money-laundering rules, Companies Act, Insolvency Law and Property Law
• Ability to establish a high degree of credibility, respect and trust at all levels
• Detail and quality oriented
• Strong management and leadership skills and ability to bring people together
• Demonstrates a high level of integrity and fairness
• Strong negotiator
• Risk discipline and understanding risk and controls
• Ability to deliver concise and succinct communications to colleagues, stakeholders and peers
• Persistent in problem solving and focused on problem solutions
• Willing to deal with challenging situations and issues, able to propose and drive the change

UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

• Competitive Salary and Bonus package
• 26 Days Holiday
• 2 Wellbeing Days
• Contributory Pension
• Life Insurance / Income Protection / Critical Illness cover
• Private Medical Insurance
• Season Ticket Loans
• Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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