J3164 - Our client is seeking a Credit Underwriter to deliver timely credit decisions within their stated credit appetite and underwriting mandate. The ideal candidate will support SME Lending underwriting processes to ensure the integrity and quality of new business proposals and the SME Lending portfolio. You will be required to travel to their S Eng office 2/3 days/wk.
Salary: To £48,000 plus excellent benefits and bonus. Location: UK, Hampshire / South of England (Hybrid).
Underwrite new business applications and deliver timely credit decisions within SLA guidelines and in accordance with Credit policy.
Provide commercially balanced recommendations to colleagues where new business applications are above the Underwriter’s credit mandate.
Ensure annual reviews are completed on time.
Assist in the preparation of credit papers for submission to the Credit Committee.
Drive continuous improvement activity challenging processes and procedures to deliver optimal efficiency and effectiveness.
Communicate effectively with both internal and external customers.
Ensure that online training and regulatory reading is completed on time.
Support and assist the Senior Credit Managers as and when required.
At least 3 years proven experience of underwriting transactions in a vendor / direct asset finance lending environment, having held a personal lending mandate.
Solid and demonstrable experience in a wide range of assets and lending structures.
Commercial lending experience in unsecured lending transactions.
Experience of working in a direct and broker origination model.
Thorough understanding of finance products and appropriate security/ legal/ documentation risks.
Experience of underwriting SME's and assessing 'story credit' new business opportunities.
Ability to make sound commercial credit decisions within comany credit appetite.
Strong interpersonal and influencing skills.
Advanced written and presentation skills.
Proven analytical skills.
Flexibility and adaptability in attitude to embrace change within a business growth environment.
This role is split between office and home based, so you should be located in Southern England. (South East England or Thames Valley locations will also be considered).
We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.
Applicants will only be considered with relevant in-country experience.