Underwriter - Asset Finance

3 weeks ago

Chester, United Kingdom Corporate Recruitment Solutions Full time

**About the Underwriter - Asset Finance Role**

We are working closely with a fantastic new-start digitally led bank looking to grow and build their teams across different areas. As part of their continued growth and funding, they are looking to bring someone onto their Asset Finance team. This is a fantasticopportunity which offers competitive salaries, brilliant benefits packages and flexible working, coupled with scope for personal and career progression with a fantastic culture.

**As Underwriter your responsibilities and duties will include**:

- Implement the credit lending strategy of the Bank in line with the Board’s risk appetite, credit risk policies, and corporate governance, ensure the Board’s expectations for levels of professional conduct and integrity and ethical values are respected throughoutCredit Risk, promote good behaviour and setting an example in this regard.
- Maintain robust lending standards and practice, including compliance with industry guidelines and statutory regulations requirements such as customer affordability, PRA/FCA’s Statements of Principles, treating customers fairly, anti-money laundering anddata protection.
- Work with colleagues to implement Board and Committee decisions whilst making valuable individual contribution as a member of the team.
- Exercise a personal sanctioning authority with diligence and care ensuring file records/risk reports include the degree of risk involved in extending credit with clear, concise, and rational recommendations for the credit decision and prepare papers forthose transactions requiring higher authority decisioning, e.g., a Credit Committee lending decision.
- Review existing transactions periodically to include the evaluation of payment history, purchase activity, credit reference agency reports, security analysis, market / distributor intelligence and prepare recommendations for the renewal of internal creditratings / facilities.
- Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and/or credit limit issued, that all documentation has been obtained, any conditionality satisfied, and any security requirement properly executed and recorded.
- Monitor default activity, and if required, participate in recoveries cases for the Bank.
- Liaise with sales, sales support, distributors and brokers as necessary to optimise the customer experience.
- Participate in ongoing personal development to deliver on business/personal objectives.

**About You**

If you are currently in a Credit role or are currently working as a Underwriter/Credit Manager this is the ideal next step in your career.

**Skills required for the Underwriter role**:

- A self-starter who is motivated, enthusiastic, and proactive with a strong work ethic and a flexible attitude.
- Excellent interpersonal and communication skills with an ability to operate effectively on Committees.
- A knowledge of Credit Risk and Lending in the Banking Industry and/or knowledge of the Agricultural sector, the various product offerings, types of funding facilities available, and security procedures.
- Understanding of risk appetite and risk management frameworks.
- An understanding of compliance and banking regulations including Conduct Risk and how to deliver fair customer outcomes.
- Ability to use appropriate Lending systems and knowledge of Credit Reference Agencies products.
- Good Microsoft Word, Excel, and reporting skills.

**Personal characteristics**:

- Inspires respect, trust, and commitment to business objectives.
- Ability to develop working relationships with colleagues.
- Demonstrates sound business/professional judgement, risk awareness, and common sense.
- Organised with an attention to detail; works well under pressure, to tight deadlines; can prioritise.
- Good analytical skills.
- Ability to communicate effectively both orally and in writing.
- Good influencing skills and the ability to package and present ideas and gain agreement from peers.

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