Risk Underwriter

4 weeks ago

London, Greater London, United Kingdom Allica Bank Full time
About Allica Bank

Allica Bank is a leading financial institution that is revolutionizing the way businesses access credit. As the UK's fastest-growing company and fintech firm, we are committed to helping established SMEs achieve their goals.

Job Summary

We are seeking an experienced Risk Underwriter to join our team. In this role, you will be responsible for assessing and underwriting credit loan applications, ensuring that they meet our credit policy and regulatory requirements.

Key Responsibilities
  • Assess and underwrite credit loan applications within personal discretion, in line with all regulatory requirements and the Bank's credit appetite policy.
  • Produce clear, accurate, and concise written documentation, making clear recommendations to the Credit team for loan application requests falling outside of personal discretion or outside of credit policy.
  • Manage and own the end-to-end application process, from initial enquiry to completion, liaising effectively with valuers, asset managers, and the panel solicitors in terms of required security.
  • Liaise with the Credit team as required in managing the credit risk environment, concentration risk, and developing credit policy.
  • Undertake regular checks and monitor agreed controls to ensure the Bank's risk and customer requirements are met at all times.
Requirements
  • Experience of underwriting (particularly manual underwriting) with a strong understanding of the competitor landscape and the dynamics and trends of the Bridging market.
  • Excellent credit/financial analysis skills, including the analysis of financial accounts, budgets, and cashflow forecasting.
  • Ability to assess applications within a personal discretion and make recommendations and take commercial decisions.
  • Experience of escalating and presenting at Credit Committee level and Arrears Management.
  • Excellent time management, organisation, and prioritisation of workload, with the ability to produce quality work in a fast-paced environment.
What We Offer
  • Flexible working arrangements.
  • Full onboarding support and continued development opportunities.
  • 25 days holiday, with the option to Buy/Sell.
  • Pension contributions.
  • Discretionary bonus scheme.
  • Private health cover, with the option to add family members.
  • Life assurance.
  • Family-friendly policies, including enhanced Maternity & Paternity leave.

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