Underwriter hybrid

Our client is a world leader in asset finance, providing vendor and equipment finance across various markets, including Hi-tech, Transport, Construction, Industrial, Medical, Public Sector, and Agriculture. As a Credit Underwriter, you will play a pivotal role in evaluating and underwriting business channels, maintaining governance, and promoting best practices in credit processes.

Primary Responsibilities:

• Conduct thorough analysis of credit data and financial statements to determine risk in extending credit for mid-ticket transactions and sales-aid leasing/flow business as needed.
• Evaluate internal and external credit reference agency reports, broker information, and market reports to assess credit risk.
• Engage in due diligence meetings with internal and external stakeholders to clarify credit and collections information.
• Use internal credit tools to generate and evaluate financial ratios to assess customers' financial status.
• Assess collateral curve analysis in line with market, sector, and portfolio considerations to determine risk levels in extending credit.
• Prepare detailed risk reports with clear, concise, and rational recommendations for credit decisions on all mid-ticket transactions.
• Exercise personal sanctioning authority diligently and carefully; prepare recommendations for transactions beyond your sanctioning authority.
• Ensure compliance with industry guidelines and statutory regulations, including consumer credit, treating customers fairly, anti-money laundering, and data protection.
• Review existing transactions to evaluate payment history, collateral, and market/broker intelligence, and prepare recommendations for renewing internal credit ratings/facilities.
• Ensure all transactions presented for pay-out meet the appropriate credit sanctions and that all documentation is complete and properly executed.

Qualifications and Skills:

• A minimum of 3-5 years of credit experience, with a focus on analyzing and interpreting financial statements and data across various industries and commercial backgrounds.
• Strong analytical skills balanced with commercial insight and business focus.
• Familiarity with asset finance and the range of product offerings and funding facilities available.
• Ability to confidently analyze unsecured and secured transactions in the mid-ticket sector.
• Excellent communication skills, both verbal and written, with the ability to engage with peers and senior management effectively.
• Good experience in risk assessment of structured lending and cash flow-based transactions.
• Proficiency in Microsoft Word and Excel.

Please note:

Due to the high volume of applications, we can only contact candidates with relevant skills for available positions. If you do not hear from us within one week, please assume that your application has not been successful.

To proceed with your application, we will need to contact you via email, telephone, or text message. In accordance with GDPR regulations, by applying, you are consenting to these forms of communication.If selected for the next stage, you will be required to attend a full registration with one of our Consultants, which involves providing a current passport, relevant visas, proof of address, and completing competency-based tests and interviews.