. 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

1. Credit Approval Received →
2. Documentation Team Prepares Required Documents →
3. Verification Against Credit Facility Conditions →
4. 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).