Credit Specialist

The VacancyLet us tell you a bit more about usWere a nimble and ambitious financial services specialist. Backing people to go for it in life and business.Were UK-based supporting our customers across a range of products and services. Aldermore Group was formed by bringing together two very successful businesses Aldermore Bank and MotoNovo Finance under the First Rand umbrella.We thrive by saying yes to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car van or motorbike.This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.Let us tell a bit about the opportunityThis is an exciting opportunity to join a dynamic and high-performing this role you will be responsible for underwriting credit applications submitted by Aldermores broker panel first line and wholesale teams. Youll manage exposures ranging from 100k to 1m within a delegated underwriting authority ensuring full compliance with the Banks Lending Policy.Youll work closely with both internal and external stakeholders maintaining clear and effective communication while adopting a proactive can-do attitude. A key part of your role will be contributing to the Banks commitment to responsible lendinghelping protect against unexpected bad debt by operating within Aldermores Lending Policy and Group Risk Framework.Were looking for someone who is genuinely aligned with the Banks values and can act as a true ambassador for the organisation in everything they do.What will your day look like Assess and underwrite new business proposals in line with delegated approval authorities including financial analysis risk assessment and recommending deals outside of approval limits when required. Apply the Asset Finance Lending Policy and Standards consistently ensuring proposals meet the Banks credit risk appetite and contribute to continuous improvement in credit quality. Maintain service level agreements (SLAs) by delivering timely and consistent credit decisions in a fast-paced flow lending environment. Collaborate effectively with internal teams including Asset Management CDD and Financial Crime to support the underwriting process and manage any issues identified during onboarding. Build and manage strong stakeholder relationships both internally and with the Banks broker panel to support deal flow and enhance service delivery. Support the ongoing development of credit policies and strategies contributing to the refinement of processes and a culture of continuous risk improvement.What do we expect from you Extensive experience within the Asset Finance industry Proven Asset Finance credit management skills Experience of working to tight SLAs and processing high volumes of new business proposals Strong written and verbal communication skills Strong team leadership and interpersonal skills Proven negotiating skills and strong solutions orientationWhat can you expect of us A friendly and flexible culture the same as how we work with our customers A growing organisation that means theres lots of opportunities to progress A drive for continuous improvement which you will be empowered to get behind from day one A communicative accessible and approachable ExCo. And of course you will be rewarded competitively with a good range of core benefits and bonus potentialStill curiousJoin us and well make the same promises to you as a colleague as we do to each of our customers. Were committed to building a working environment that values respect diversity and compassion. We welcome people regardless of age disability gender identity marital status race faith or belief sexual orientation socioeconomic background and whether youre pregnant or on family leave.If youre interested but not sure if you meet all the criteria listed... have a chat with us. We are open to applications from varied backgrounds.The CompanyWe champion equality by supporting the exceptions to the rule and getting finance to where its needed.We lend the money people save with us to people who want to get on in life; build businesses and create employment buy property for people to live and work in and purchase vehicles to move families and goods around. Behaviour FrameworkOur behavioural framework underpins our purpose and strategic drivers as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions Relationships That Last and Progressive Platform) outline what we need to do to succeed our behaviours guide us in your second interview well ask you to talk through some examples where youve demonstrated these behaviours in your previous roles. The BenefitsAs you would expect we offer a competitive basic salary and reward package and youll also benefit from our commitment to investing in your professional development throughout your journey with us.Benefits vary across the business depending on the role you do but these will give you an idea of what to expect: Discretionary bonus scheme Aviva Digital GP Bus And Tram Benefit Employee Assistance Programme Eyecare Voucher & Display Screens/Desk Set-Up Flu Jab Vouchers Group Income Protection Life Assurance Metrolink Annual Pass & Clipper Ticket Microsoft Discounts Private Medical Insurance Shopping Discounts Toothfairy Your Workplace Pension Hybrid Working Critical Illness Cycle To Work Dental Insurance Give As You Earn Government Tax-Free Childcare Scheme Octopus Electric Vehicles Save Our Planet Season Ticket Loan Spouse Or Partner Life Assurance Technology Wearable Technology Wellbeing App Will WritingDocumentsRequired Experience:Unclear Seniority Key Skills EAM,Food Technology,AC Maintenance,Corrosion,Arabic Cuisine Employment Type : Full-Time Experience: years Vacancy: 1 Yearly Salary Salary: 50001 - 999999999