Underwriter

5 months ago

Southampton, United Kingdom 808 Group Full time

**Underwriter - Southampton**

**Job Summary**:
The Underwriter will support SME Lending's underwriting process to ensure the integrity and quality of new business proposals and the SME Lending portfolio. The Underwriter will have an underwriting authority as approved by the Credit Committee.

**Working Hours**:

- 37.5 hours per week, Monday to Friday, 8:30 am to 5:00 pm, with a one-hour lunch break.
- Hybrid working model with 2 days per week expected in the office.

**Key Responsibilities**:

- Ensure punctual completion of annual reviews.
- Assist in preparing credit papers for submission to the Credit Committee.
- Foster open communication culture and two-way interaction.
- Initiate continuous improvement initiatives by challenging processes for enhanced efficiency and effectiveness.
- Cultivate strong relationships within SME Lending businesses and the Bank.
- Communicate proficiently with both internal and external stakeholders.
- Adhere to online training and regulatory reading schedules.
- Provide support to Senior Credit Managers as needed.

**Essential Skills**:

- Minimum 3 years of proven underwriting experience in a vendor/direct asset finance lending environment, including holding a personal lending mandate.
- Demonstrable proficiency across various assets and lending structures.
- Experience in unsecured lending transactions within commercial lending.
- Familiarity with direct and broker origination models.
- Comprehensive understanding of finance products and associated security/legal/documentation risks.
- Experience in underwriting SMEs and assessing 'story credit' new business prospects.
- Capability to make sound commercial credit decisions within the Bank's credit boundaries.
- Strong interpersonal and influencing skills.
- Advanced written and presentation skills.
- Established analytical capabilities.
- Flexibility and adaptability to embrace business growth-driven changes.

**Qualifications & Experience**:

- Preferred: Degree or equivalent in a Business discipline.
- Essential: Understanding of asset finance operations, customer services, or collections functions, as well as prior knowledge of underwriting and assessing invoice finance.

**About the Company**:
**Offers**:

- Generous holiday allowance, including a birthday holiday.
- Paid community volunteering opportunities.
- Company-wide profit-sharing bonus.
- Up to 10% annual salary contribution to the pension plan.
- Life assurance and personal accident cover.

**Embrace Flexibility**:

- Encourages work-life balance through flexible work arrangements, with a move towards hybrid working post-pandemic.

**Embrace Diversity**:

- Welcomes and values diversity and inclusion.
- Establishes an Equality, Diversity, and Inclusion Network to foster a more diverse and inclusive environment.

**Be Heard**:

- Provides platforms for employees to voice their opinions through the People Forum and regular surveys.

**Wellbeing Focus**:

- Offers a range of support for employee wellbeing, including an Employee Assistance Programme and dedicated Wellbeing team.

**Personal Growth**:

- Encourages learning and development with personalized plans through accreditation

**Salary**: £42,000.00-£48,000.00 per year

**Benefits**:

- Company pension
- Life insurance
- Paid volunteer time
- Profit sharing
- Work from home

Schedule:

- Day shift
- Monday to Friday

Ability to commute/relocate:

- Southampton: reliably commute or plan to relocate before starting work (required)

**Experience**:

- Motor Finance Underwriting: 2 years (preferred)
- Underwriting: 3 years (required)

Work Location: In person

Reference ID: MFUP

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