Job Title:       Credit Administration Officer – UK

Industry:        Banking

Location:       United Kingdom

Salary:           Competitive Salary Package + Benefits

Role Overview

This role sits within a small, high-performing Risk team and is responsible for the end-to-end administration of loans, securities, and contingent exposures. The position plays a critical role in ensuring strong credit governance, data integrity, and control across the credit lifecycle within a regulated banking environment.

The successful candidate will bring a strong technical grounding in credit administration, trade finance, and risk controls, with the ability to operate in a detail-oriented, control-focused environment.

Key Responsibilities

Credit Governance & Approval Controls

• Validate approved credit terms (limits, tenor, pricing, collateral, covenants) against policy and delegated authority
• Maintain approval registers and reconcile approved vs booked exposures
• Track conditions precedent/subsequent and prevent unauthorised drawdowns
• Log, monitor, and escalate policy exceptions and breaches

Documentation & Legal Coordination

• Prepare facility documentation aligned with approved credit terms
• Coordinate legal review where required, particularly for security enforceability
• Ensure proper execution, perfection, and registration of security
• Maintain document custody and version control

Collateral & Security Management

• Maintain collateral records, valuations, and eligibility criteria
• Monitor coverage ratios and trigger revaluations where required
• Identify and escalate enforceability risks or documentation gaps

Limit Monitoring & Exposure Control

• Maintain obligor and group structures with full exposure aggregation
• Monitor utilisation across limits (obligor, sector, country)
• Escalate breaches or near-breaches in line with policy

Covenant Monitoring

• Track financial covenants and testing schedules
• Perform covenant calculations and monitor compliance
• Manage waivers, breaches, and remediation processes

Trade Finance & Contingent Risk Oversight

• Administer LCs, guarantees, and SBLCs, ensuring appropriate collateral/margins
• Monitor contingent exposures, maturities, and facility availability
• Reconcile trade finance documentation and SWIFT communications

Data Integrity & Management Information

• Ensure accuracy across core banking and risk systems
• Maintain facility and collateral databases with periodic reconciliation
• Produce MI and dashboards covering utilisation, concentration, and risk indicators
• Support internal and regulatory reporting

Controls & Audit Readiness

• Execute key controls including reconciliations and approval checks
• Maintain documentation for audit and regulatory reviews
• Support control enhancements and remediation initiatives

Risk Identification & Escalation

• Identify early warning signals including covenant stress or documentation gaps
• Escalate concentration, country, and portfolio risks
• Support watchlist reporting with accurate exposure data

Candidate Requirements

• Minimum 7 years’ experience in credit administration within a banking environment
• Strong experience in trade finance (essential)
• Solid understanding of lending operations, credit documentation, and collateral management
• Familiarity with regulatory expectations in a UK banking environment
• Strong Excel and data handling capability
• High attention to detail and strong organisational skills
• Ability to interpret complex documentation and risk data