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 counterparties 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
