Flow Underwriter

2 months ago


London, United Kingdom Hampshire Trust Bank Full time

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions.

We offer niche specialty lines SME bank targeting under-served segments, our dedicated Specialist Business Finance (Asset Finance and Wholesale), Development Finance, Bridging Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy.

Our vision is to be the go-to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.

**Our Values and Behaviour**

All members of the HTB team are expected to demonstrate values and behaviour that underpin everything that we believe in

**Customers matter**
- We listen to our customers
- We value customer relationships over transactions
- We strive to deliver what customers want, when they want it, how they want it
- We prioritise customer outcomes over corporate expediency

**We deliver**
- We approach everything we do with discipline and set high standards
- We do more with less and embrace change
- We are fanatical about financial rigour and risk discipline
- We execute consistently with speed and accuracy
- We constantly strive to improve

**Integrity without compromise**
- We always aim to do the right thing - we don’t duck hard choices
- When we make a mistake we own up and fix it
- We are open and honest in all our communication
- We treat innovation and fresh thinking as an opportunity not a threat

**People Power**
- We are a meritocracy
- We empower people and make them accountable
- We encourage our people to learn and grow
- We challenge each other honestly & constructively
- We work as a team
- We know diversity makes us stronger
- We celebrate success

**Position**:
This role has the opportunity and autonomy to help build and shape a market leading Asset Finance underwriting function. The scope is to work as a senior member of the flow underwriting team and supporting specialist product / sector lines.

This position will have responsibility for the end-to-end underwriting process, with the ability to structure deals and discuss decisions with introducers, primarily in the broker market. The breadth of the role also entails portfolio monitoring, assisting with high risk customers and preparing management information / reports for senior management.

Given the growth and development of the business, the role offers significant scope for involvement in a range of projects, as part of the Bank’s continuous improvement of policies, processes, reporting, etc.

**Requirements**:

- Timely and accurate underwriting decisions within a delegated authority and recommendations to senior management where outside of personal mandate
- Prepare comprehensive financial analysis identifying all material financial and other risks and opportunities in order to arrive at a balanced and informed decision or recommendation
- Undertakes all appropriate diligence in respect of transactions, including reference to relevant bureaus, referencing agencies & other external sources ensuring alignment to the Bank’s risk policies
- Maintains active watch over portfolio performance & awareness of market trends
- Able to liaise with key customers

**Other information**:

- Extensive experience in underwriting asset finance proposals with detailed knowledge of various asset types
- Fundamental knowledge of accountancy and financial analysis of SME’s and corporates
- Demonstrable ability to understand value across a range of hard and soft assets
- Ability to work independently in taking a pragmatic approach to underwrite within parameters of credit policy; appreciation of when escalation / guidance is required.
- The willingness, aptitude and gravitas to be a key member of a growing business
- From a credit perspective, lending experience of SME and corporate clients
- Understanding of regulatory governance and ensuring compliance with lending and credit policies (including management of large exposures / concentration risk)


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