Asset Finance Lending Specialist
4 weeks ago
Our Birmingham Bank Limited office is seeking a skilled Credit Risk Analyst to join our team in the Buy-to-Let (BTL) division. As a Credit Risk Analyst, you will play a crucial role in assessing new lending applications for risk and quality while adhering to the Bank's policies and risk appetite.
Key Responsibilities:
- Analyzing loan applications to support intermediaries and their customers, reviewing documentation for completeness and adherence to credit policy.
- Ensuring compliance with legislation and regulatory requirements.
- Providing timely decisions, whether an accept or decline, and being accountable for this decision if questions are asked.
- Serving as a point of contact for queries related to underwriting decisions, both with internal and external stakeholders.
About You:
- A minimum of 3 years' experience underwriting simple and complex BTL products, with a proven critical analysis of information pertaining to the financial standing of prospective borrowers.
- Currently holding a Delegated Lending Authority (DLA) of at least £500,000.
- Able to underwrite manually, according to the Bank's credit policy, across multiple BTL types i.e., portfolio landlords, HMO, and MUB properties, limited company, and LLP entities.
We offer a competitive salary of £45,000 per annum, along with a range of benefits, including pension employer contributions of 8%, death in service 4x salary, private health care, holiday entitlement, gym passes, and employee assistance programs. If you're passionate about delivering exceptional customer experiences and possess strong analytical skills, we encourage you to apply for this exciting opportunity.
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