Credit Officer

Overview

Arbuthnot Latham has been associated with banking since 1833. We combine private and commercial banking, wealth planning and investment management. We believe in traditional relationship and service-led banking powered by modern technology.

• To be part of a busy Credit department whose involvement with the Bank’s Credit process is comprehensive – from initiation through to documentation, monitoring and control through to recover.
• Preparation, review and control of lending documentation.
• Must be able to provide a first class service to the front office whilst ensuring that the lending complies with the Bank’s policies and procedures.
• Will be expected to carry out duties with minimal supervision.

To place the interests of customers at the centre of all activities, act in a way that is consistent with achieving good outcomes for consumers and to comply with the FCA and PRA's Conduct Rules.

• Preparation of Facility Letters for all lending facilities ensuring that each transaction is properly documented in order to protect the Bank
• Preparation of ESIS documents for Regulated Mortgage Contracts
• Maintain, input and renew Credit limits
• Prepare Instruction letters to Solicitors and Valuers
• Preparation of Legal Charges
• Completion of client redemption statements
• Dealing with loan repayments and releasing collateral that is no longer relied upon
• Assist with the completion of required returns to the FCA
• Assist with Credit queries and seek solutions to issues that may arise
• Build and monitor good stakeholder relationships to ensure quality service is provided at all times
• Involvement with project work as and when opportunity arises
• To perform other tasks as assigned by the Head of Credit Operations

• Responsible for managing risks inherent to the role by diligently observing internal policies and procedures.

Knowledge / Experience/Skills

• Good banking background with the emphasis on Credit
• Detailed and demonstrable knowledge around all areas of Lending
• Experience with High Net Worth clients
• Have a working knowledge of CCA and MCOB rules
• Multi-tasking capability
• Ability to work under pressure with a heavy workload
• A good understanding of Banking Systems and be IT literate, and a high understanding of Microsoft office
• Good written and verbal communications skills are essential for this role
• Excellent time management and organizational skills
• Client Focus
• Team Workings
• Expert Knowledge
• Working Proactively

Arbuthnot Latham is committed to equal-opportunities for all staff and candidates. We embrace inclusion & diversity and understand why they are critical for the success of our business and people.

• Competitive salary, pension & holiday allowance
• BUPA Health cover
• 4x Life Assurance
• Discretionary bonus
• Market leading maternity/paternity and menopause policies