SME Underwriting Expert
4 weeks ago
Sprk Capital is a leading provider of financing solutions for Small and Medium-sized Enterprises (SMEs) engaged in Research and Development (R&D) and Innovation. Our team of experienced professionals works closely with our borrowers to assess their business needs and provide tailored financial solutions.
We are committed to delivering exceptional service and building long-term relationships with our clients. By providing flexible and competitive financing options, we aim to empower SMEs to achieve their full potential.
The RoleJob Description:This role involves evaluating loan applications and determining the level of risk involved in extending credit. As an SME Underwriting Expert, you will be responsible for analysing credit data and financial statements, interpreting and evaluating external credit reference agency data, and conducting due diligence.
You will perform risk assessment analysis, reviewing and evaluating cash flow forecasts, including scenario manipulation, and interpreting and evaluating market, sector, and portfolio considerations to determine the level of risk involved in extending credit.
- Evaluate loan applications and determine the level of risk involved in extending credit
- Analyse credit data and financial statements to determine the level of risk involved in extending credit
- Interpret and evaluate external credit reference agency data, conduct due diligence, and perform risk assessment analysis
- Review and evaluate cash flow forecasts, including scenario manipulation
- Interpret and evaluate market, sector, and portfolio considerations to determine the level of risk involved in extending credit
- Meet service level agreements for timely completion of all applications
- Develop recommendations for improving systems, processes, and business practices to enhance efficiency and capacity
Requirements:
- Excellent analytical skills with a strong commercial presence and business focus
- Ability to structure transactions based on market sector, asset, and security
- Strong planning, organisation, prioritisation, and time management skills
- Exceptional interpersonal and communication skills, with the ability to communicate concisely and build relationships at all levels
- Self-discipline, strong teamwork, and motivation by delivering results and value
- Confidence to lead by example and make difficult decisions
- Inquisitive nature, able to derive meaningful insights from data
We offer a competitive remuneration package, including a base salary and bonus structure. Annual equity participation is available, in addition to our compensation package, ensuring our employees share in the company's success.
Additional benefits include full healthcare through Vitality, a corporate pension plan, and weekly Pilates classes.
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