Job description

  • Location:
    London - 30 Gresham Street
  • Department:
    Private Companies
  • Division:
    IBP Private Client
  • Employment Type:
    Full time
  • Salary:

HNW Credit Underwriter/ Real Estate (6642)

Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.

Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.

Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same – if the role excites you, please don't let our person specification hold you back. Get in touch!

Description of role and Key responsibilities 

Description of role and key responsibilities To quantitatively and qualitatively analyse and sanction or decline new business proposals for the Private Client business.

Act as SME for HNW proposals (primarily Residential and Commercial mortgages, loans, portfolio lending and overdrafts) including larger value and complex transactions submitted to UK credit committee assessment.

Able to act within own discretionary mandate and as part of wider quorum for higher value transactions.
Contribute to proactive portfolio management, provide support to front line businesses including HNW Banking and Recoveries. Preparation of management information for Private Client Banking/UK Credit including review of performing book, arrears, forbearance, overdue reviews and excess reviews.
The ideal candidate will be client focused, collaborative, numerate, organised, meticulous, prepared to take ownership of tasks, able to manage their own time effectively, be pro-active and able to follow multiple tasks through to completion.

Do you hold an Approved Person Statues?

Approved Person Status Current / Intended /Not applicable (please circle)
Customer CF30 □ Other □ (please specify) CF
If CF 30, specify the underlying function (list here):

Core Skills and Knowledge 

Core Skills and Knowledge
Highly numerate with the ability to process high volumes of new business proposals within strict timescales

Do you have clear understanding of the portfolio including its broad range of clients/sectors and assets?

Proven ability to analyse complex financial statements (Individuals of businesses).

Possess a deep understanding of High Net Worth lending and related financial products.

Sound awareness of market landscape, competitors, relevant instruments within the market and knowledge of how the business functions.

Sound knowledge of the CCA / MCOB/ regulatory environment and Commercial lending.

Have the confidence, ability and experience to exercise sound judgment in decision making.

Be commercial in exercising judgement and have a good understanding of legal, market, and operational risk impacts on lending decisions.

Any other attributes that would be helpful, but not essential for the role.

Strong communication skills both verbal and written. Strong ability to negotiate

some experience in a similar role 





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London - 30 Gresham Street
30 Gresham Street, London, England, GB, EC2V 7QN

Meet the recruiter

Jess Sheehan


We commit to ensure that everyone is fairly assessed during our recruitment process.

Let us know if you need any reasonable adjustments to complete your application.

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