. Role Overview
The Credit Administrator will be responsible for handling documentary credits, invoices, and processing post-credit approval. This is a middle-office role, focusing on loan documentation and sanctioning processes. The individual will play a critical role in ensuring accurate documentation, verifying credit facility conditions, and collaborating with relationship managers and the credit team.
Key Responsibilities
- Credit Administration: Handle documentary credits, invoices, and processing post-credit approval.
- Loan Documentation: Prepare, review, and ensure compliance with credit facility agreements.
- Middle Office Function: Serve as an intermediary between credit approval and loan disbursement.
- Legal Understanding: Not legally qualified, but able to answer basic queries on legal terms related to documentation.
- Collaboration: Work closely with relationship managers and the credit team to ensure all conditions and prerequisites are met before handing over to the loans team.
- In-House Documentation: Produce documents specifically for private banking, but always through the relationship management team (not direct client interaction).
- Overlapping Processes: The SME bank environment requires adaptability, as roles and functions may overlap.
- BAU Involvement: Support business-as-usual (BAU) activities in addition to core responsibilities.
Key Requirements
- Experience: Minimum 3 years in a credit/ documentation-related role
- Industry Exposure: Experience in mid-corporate, small corporate, or private banking (not retail banking).
- Hands-On Approach: Must have directly prepared and handled documentation, not just reviewed or worked in a shared-documentation team.
- Loan Volume & Values: Experience handling loans between £1 million and £2 million.
- Credit Analyst Knowledge: Can be considered but not the main focus (the role is documentation-focused).
- Proactive Mindset: Able to hit the ground running and work in a small SME bank environment.
- Attention to Detail: Strong ability to check documentation against credit facility terms and ensure accuracy.
Process Flow
- Credit Approval Received →
- Documentation Team Prepares Required Documents →
- Verification Against Credit Facility Conditions →
- Handover to Loans Team for Disbursement
Work Environment & Schedule
- Flexible Hybrid Model:
- 4 days on-site, 1 day remote (negotiable)
- Minimum 3 days in the office required
- Team Setup: Working within a team of 3, reporting to the COO.
- Client Interaction: Limited to collaboration with relationship managers and the credit team (no direct client contact).
