Credit Underwriter

7 months ago

Belfast, United Kingdom Radius Payment Solutions Ltd Full time

**Please note we not not offer hybrid or remote working options for this role**

**Location: Waters Edge, Clarendon Dock, Belfast BT1 3BH**

**Working Hours: Monday to Friday, 8.30am - 5:00pm (37.5 hours)**

**Salary: Available on Request**

**Heard of us?**

We’re an ambitious, forward-thinking global business who build transformative solutions for our customers to deliver best-in-class sustainable mobility, connectivity and technology solutions. We support our customers with a range of products and services to meet their needs.

Since 1990 our ambition has never wavered. From humble beginnings, our vision and drive has seen us venture into new markets with confidence and stay ahead of market trends. Our mission is to help businesses of all sizes adapt to the future and take advantage of the opportunities that change brings. Sustainability is at the core of our offering. With our leading e-mobility solutions, we’re committed to guiding businesses through the energy transition, building solutions for a more sustainable, connected future.

This is where you come in. We are on a journey of growth. We pride ourselves on being at the forefront of technology innovation and we invite you along on this journey.

We would love to welcome you to our Belfast Office location for the days you are in the office. You’ll report into the Michelle Harbinson, Credit Manager on a day-to-day basis, supporting a wider team.

**What would your day to day look like?**
- _**Analyse financial information**:_ Assess the financial statements, tax returns, bank statements, and other financial documents provided by customers to evaluate their ability to repay.
- _**Assess creditworthiness**_**: Review credit reports, credit scores, and payment histories to determine the customers creditworthiness and likelihood of default.
- _**Conduct risk analysis**:_ Evaluate the risk associated with extending credit to customers by considering factors such as income stability, debt-to-income ratio, collateral, and industry trends.
- _**Determine loan terms**:_ Based on the customers creditworthiness and risk assessment, determine the appropriate credit amount, repayment terms, and other terms and conditions.
- _**Ensure compliance**:_ Ensure that all credit decisions and processes comply with regulatory requirements, internal policies, and underwriting guidelines.
- _**Collaborate with other departments**:_ Work closely with credit officers, sales teams, and other departments to gather additional information, clarify details, and resolve any issues or discrepancies.
- _**Provide recommendations**:_ Present findings and recommendations to management or credit committees for final credit approval or rejection.
- _**Maintain documentation**_: Keep accurate records of all credit decisions, credit files, and related documentation in compliance with internal policies and regulatory requirements.
- _**Stay updated on industry trends**:_ Continuously monitor market conditions, economic trends, and changes in lending regulations to ensure underwriting practices remain current and effective.

**Departmental and Business integration**
- Actively engage in relevant and appropriate opportunities for cross-department working to build relationships & share knowledge.
- Participate in meetings and projects with wider credit team to continually improve department performance.
- Use exposure to different areas of credit and businesses / products to share good ideas and approaches across the team and improve the processes and systems as a result.

**Individual Management**
- Manage individual performance to achieve credit underwriting standards.
- Manage credit underwriting to ensure Dept. SLAs are maintained.
- Keep accurate and complete records of all cases underwritten within systems.
- Escalation of accounts and issues as required.
- Manage the Account Managers expectations to minimize escalated calls.
- Assist the overall Credit Dept. in managing bad debt charge by ensuring detailed underwriting and risk is completed.

**Key Skills/Attributes**
- Strong credit skills.
- Ability to review and analyse complex accounts and company structures.
- Ability to exercise a credit discretion.
- Ability to prioritise and adapt to meet key deadlines.
- Take ownership of queries and problem resolution.
- Flexible approach and attitude.

**What can you expect of us?**
- A friendly culture that mirrors our proposition to our customers.
- A fast-growing organisation that defines itself as being agile and innovative
- A drive for continuous improvement, which you will be empowered to get behind from day one.
- A commitment to building a working environment that values inclusivity, innovation, agility, and drive.

And of course, you will be compensated competitively, with a good range of core benefits and bonus potential.

**Still curious?**

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, fa

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