Credit Administration Officer

Are you an experienced Credit Administration professional with strong trade finance, loan operations, and risk governance expertise? We are looking for a highly capable Credit Admin Officer to join a bank's Risk Management team. Working as part of a team of four, you will play a critical role in maintaining the integrity of the credit portfolio, supporting governance standards, and ensuring operational excellence across lending and trade finance activities.

Salary: £60-£65K Hybrid working: 3 days office based per week Location: London

Main Duties: Credit Governance & Approval Administration Validate approved credit terms, limits, pricing, collateral, covenants, and conditions precedent Maintain approval registers and delegated authority logs Monitor exceptions, breaches, and escalation processes Ensure facilities are activated only after required approvals and conditions are met Loan Documentation & Security Administration Prepare and review facility letters and credit documentation Coordinate with legal counsel on security enforceability Manage security perfection, registrations, and document custody Monitor collateral valuations, expiry dates, and coverage ratios Exposure & Portfolio Monitoring Administer obligor, group, sector, and country limits Monitor utilisation, covenant compliance, and exposure concentration Track early warning indicators and support watchlist reporting Trade Finance & Contingent Risk Administer: LCs and SBLCs Guarantees Review SWIFT messaging and assignment notices Monitor contingent exposures, fees, maturities, and amendments Reporting, Controls & Audit Produce MI dashboards and end-of-day exposure reports Perform reconciliations and maker/checker controls Support internal audit, regulatory reviews, and control remediation initiatives

Essential Experience Minimum 7+ years’ experience in Credit Administration Strong experience in Loans & Securities Administration Proven Trade Finance experience (LCs / Guarantees / SBLCs) Experience in Credit Portfolio Management Strong understanding of MI / EOD reporting Advanced Excel skills

Technical Knowledge: Lending and trade finance operations Collateral and covenant monitoring Credit approvals and documentation review Core banking systems (experience with Oracle FLEXCUBE preferred) Understanding of risk metrics such as EAD, LGD, PD is advantageous

This is an opportunity to join a growing international bank where your expertise will directly contribute to strengthening our risk governance framework and supporting high-quality credit operations.