Our Client, a large international Bank, is currently looking for a Deputy Head of Credit. Key Responsibilities Providing support to the Head of Credit including deputising and presenting to senior management committees. Underwriting and credit risk assessment for real estate loans of up to £30 million, including residential and commercial BTL mortgages, Commercial Mortgages and Bridging/Development finance. Evaluation and underwriting loan proposals for sectors/products such as care homes, hotels, syndication loans, bridging finance, ensuring risks are highlighted and mitigation strategies are in place. Review and give an independent view of loan applications ensuring compliance with Credit Policy prior to presentation to Credit Committee. Provide recommendation for updates of lending policies & procedures. Guidance and mentorship to the Credit team (4 credit analysts) and ensuring that they make sound and timely decisions and follow existing policy. Monitor portfolio management of new and existing clients via quarterly and annual reviews. Production of credit MI for local and Group purposes providing in-depth loan book analysis. Other ad hoc duties assigned from time to time by Senior Management. Skills, Experience and Qualifications A minimum of 5 years’ experience working in a credit approvals environment. Strong decision making essential with detailed rationale provided. Prior/current holder of a delegated lending mandate of minimum £2 million. Expertise in underwriting real estate finance, commercial mortgages, Buy-to-Let loans, development loans, bridging finance, and hotel & care home financing. Syndicated loans experience is preferable but not essential. Experience in assessing complex financial statements, cash flow models, and credit structures. Should have thorough knowledge in various areas of Credit Administration including process of proposals, credit analysis, security etc. Experience in presenting to the Credit Committee & Board Committees. Regulatory compliance knowledge and understanding of industry best practices. A self-starter with leadership attributes (people management and relationship skills) who is comfortable working in a fast-paced environment with strong lending growth targets. Attention to detail essential. Excellent written and verbal communication skills. IT literate with good knowledge of Microsoft Office, particularly Word & Excel.