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  • Credit Underwriter

    Salary: £40000 - £44000 per annum
    Opening Date: 05/06/2019
    Industry:
    Type:
    Location: ,
    Reference: CU/GLAS/JR1

    Credit Underwriter -Asset / Business Finance

    Glasgow

    Salary £40/45k plus benefits

    Our client is a lender to the SME Asset Finance market funded by a major bank. We are seeking a Credit Underwriter experienced in fast-moving “flow” asset finance to support the Risk Function. This is a unique opportunity to help shape the Risk function of the business to meet the demands of the market.

    Your Role

    We are looking for a Credit Underwriter for the UK market. You will be responsible for assessing funding applications, will utilise and further develop your functional expertise in credit analysis by learning from an experienced risk director. This is a key function for the business where you will be supporting the business by making meaningful lending decisions to SME companies.

    In this role, you will be:

    * Analysing and verifying financial and non-financial information to determine the
    creditworthiness of our SME clients.
    * Verifying information on client’s applications and evaluating fraud risks.
    * Given the responsibility to make an independent credit decision within your own delegated authority. In close contact with our Brokers to ensure an excellent client’s experience.
    * Making recommendations for the development of systems, processes and business policies and guidelines.
    * Mentoring and training junior credit analysts as they come on board.
    * Directly supporting the business by enhancing the quality of credit applications as well as making recommendations to colleagues to ensure that commercial opportunities are maximised while adhering to business policies and guidelines.

    Qualifications

    You will have:

    * A minimum of 2-3 years of experience in financial services as an Underwriter or Credit Analyst for the UK market.
    * A university degree in business, finance, economics, mathematics or another related numerical subject.
    * Experience in the SME sector (preferred), however, experience within the consumer, commercial, or mortgage sector is also of interest to us.
    * A sound understanding of financial ratios, credit reporting agency data, and experience in analysing financial statements.
    * A solid grasp of UK credit bureau data and ancillary sources.
    * Strong analytical capabilities and excellent Excel skills.
    * A strong work ethic with great attention to detail. A team player with the ability to work independently while contributing to the success of our team at the same time.
    * Excellent verbal and written communication skills, as well as Excellent planning and organisational skills whilst always maintaining an enthusiastic “can do” attitude
    * Establishes effective working relationships at all levels and is always customer focused with a commercial approach.

    If interested in this role, please email your CV to julie@thcrecruitment.co.uk

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