Credit Administration Officer

Position: Credit Administration Officer (Permanent)
Credit Administration Officer

Location:

London (Fully Office Based - Moorgate)

Contract:

Full-time
Salary: £35,000 - £40,000 per annum

About the Role

We are seeking a Credit Administration Officer to join our Credit team in London. This is a full-time, office-based role supporting the end-to-end credit administration process, from pre-disbursement through to post-completion, ensuring all internal policies, procedures, and regulatory requirements are met.

The role involves close collaboration with internal teams and external counter parties to ensure lending transactions are processed accurately, efficiently, and in full compliance. The lending portfolio is primarily real estate-backed, with additional exposure to SME working capital, trade finance, and Islamic finance products.

Key Responsibilities

Pre-Disbursement

Prepare credit documentation including term sheets, facility letters, addendums, borrower consents, and related documentation following credit approval

Obtain and manage fee quotes from panel valuers and solicitors

Coordinate the appointment of solicitors and valuers

Review valuation reports and manage legal conveyancing through to completion

Ensure all conditions precedent are satisfied and progress is communicated to relevant stakeholders

Disbursement

Review reports on title and valuation reports, identifying risks and recommending mitigants

Process loan disbursements and book loan limits and collateral on internal systems

Liaise with solicitors, valuers, Credit, Operations, Monitoring, and Remedial teams

Post-Completion

Obtain and manage executed credit documents and perfected security

Follow up on conditions subsequent

Maintain accurate and complete credit files and audit trails

Ongoing / Other

Maintain credit databases, MI, pipeline, limits, and collateral data

Deliver against agreed service level agreements (SLAs)

Manage revaluation processes and liaise with valuers and credit teams

Support audits, projects, UAT, and ad hoc credit administration initiatives

Regulatory & Conduct Responsibilities

The role requires full compliance with FCA and PRA Conduct Rules, including acting with integrity, due skill and care, treating customers fairly, and maintaining proper standards of market conduct.

Skills & Experience Required

Essential

Experience in credit administration with exposure to Buy-to-Let (residential and commercial) and SME banking products

Strong understanding of credit documentation, security perfection, valuation, and collateral management

Proficiency in spreadsheets and database tools

Excellent organisational skills with strong attention to detail

Desirable

Knowledge of Islamic finance products, including Commodity Murabaha and Diminishing Musharaka

Personal Attributes

Proactive, detail-oriented, and deadline-focused

Strong written and verbal communication skills

Confident working across departments and with external stakeholders

Able to prioritise, multitask, and perform well in time-pressured environments

Positive team player with a flexible and professional approach