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Senior Credit Administration Officer

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About the role

The Senior Credit Administration Officer will be responsible for documenting and securing new and existing facilities, managing the loans process to payout and completing all associated administration for both standard and complex bespoke lending. You will also be providing guidance and advice to Relationship Managers on technical lending and security matters and generating/monitoring loan reports.

Responsibilities

Facility documentation

  • Handles complex forms of financing, using standard pre-formulated and partly customised facility agreement templates.
  • Review and assess Bespoke facility agreements created by the Bank’s solicitors
  • Ensure that requirements for drawdown sign-off are achieved prior to authorising disbursement and monitor, maintain and update the loan database.
  • Perfecting the Bank’s required security, utilising standard or bespoke documents as required

Loan Servicing and portfolio data management

  • Responsible for the completion of all drawdowns, ensuring that all aspects of facility and security documents have been completed; that all pre-drawdown conditions have been met and can be evidenced (with any risks identified and addressed) and that each lending facility is accurately set up within Core Banking System as per its approved credit proposal.
  • Responsible for the complete and accurate administration of the Bank’s loan book, including processing Credit Committee minutes correctly and in a timely manner, with all relevant Core Banking System records being maintained accordingly.
  • Responsible for all aspects of loan repayments/restructures and any release of security.
  • Use in-depth technical knowledge of lending to identify and mitigate any risks, liaising with Credit department as necessary.
  • Provide explanations to customers of complex lending terms and procedures through a variety of mediums, synthesising relevant information from Relationship Managers and solicitors as required.

Legal and compliance

  • Responsible for completing all Anti Money Laundering (AML) and regulatory checks on lending customers, their Ultimate Beneficial Owners (UBOs) and any other connected parties, ensuring that the Bank’s records are maintained and complete for compliance, audit and reporting requirements.
  • Proactively identify credit risks arising from an analysis and review of reports and documentation provided by solicitors, customers and/or valuers.
  • Act in an advisory capacity to other members of the Business Banking team.
  • Act in a supervisory capacity to other members of the BB T&S team, especially in times of absence of the T&S Team Leader
  • Comply with all regulatory obligations and internal governance to help ensure ethical behaviour which delivers fair outcomes for TBUK customers
  • Any other duties that may be required from time to time.

To be successful in this role you will have substantial experience of working in a loan/credit administration function and with bespoke lending transactions, as well as an ability to apply existing knowledge of procedures and requirements to new situations. The role requires a strong ability to communicate confidently and clearly with a variety of internal and external stakeholders, and to work both autonomously and within a team, proactively self-managing a busy workload under pressure. Experienced knowledge of credit risk principles and good commercial acumen, and an ability to synthesise complex information quickly and to apply it in a variety of settings. Professional training or qualifications in a numerical/business-related discipline and/or in-house training on loan/credit administration.

Who are we?

Triodos Bank is one of the world's leading sustainable banks. Our mission is to make money work for positive social, environmental, and cultural change.

Offer

In return for your hard work and dedication, you will receive a competitive salary of circa £32,000 (depending on experience) plus access to our extensive benefits package, where most of our benefits are non-contributory! Our benefits include:

  • Non-contributory pension scheme from your first day of 8% in year 1 and 10% from year 2 onwards
  • Life Assurance (worth 4 times basic pay)
  • Income Protection - 75% of basic pay after 13 weeks sick and following six months service
  • Private Medical Insurance
  • A Health Cash Plan
  • Vitality Leave – After each 7 years of service, you will be able to take a sabbatical of up 3 months
  • 25 days (FTE) plus bank holidays per annum with additional increase in holiday though length of service (up to 5 days FTE)
  • A buy and sell holiday scheme of up to 5 days (FTE) to maximum of 30 days
  • Season Ticket Loan available for commuting into the office
  • A wellbeing allowance of £100 a year
  • Voluntary benefits, including discounts and cycle to work scheme

Triodos embraces flexibility and diversity in the workplace and is proud to be a Living Wage Employer and a Disability Confident "Committed" employer. We recognise that we’re on a journey with regards to diversity and inclusion and would therefore welcome applications for candidates from underrepresented backgrounds.

Triodos Bank is proud to be using Rare's Contextual Recruitment System (CRS) which allows us to consider applicants' achievements in the context in which they were gained. We understand that not every candidate’s achievements look the same on paper – and we want to recruit the best people, from every background. Once you’ve submitted your application to us, please make sure to check your inbox, and or junk folder, for an email with a link to the CRS form.

Closing Date: 21/01/22

  • Placed on:Wed 5 January 2022
  • Location: Bristol

Triodos UK

Deanery Road
BS1 5AS Bristol
United Kingdom

  • Tel: 0117 980 9733

Interested?

For more information:
Call HANNAH MARR
at the number: x
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