Credit Risk Expert

3 weeks ago


Newport, Newport, United Kingdom Propel Finance Full time
Role Overview

The Senior Underwriter will evaluate, analyse, and approve credit proposals, and revisions to underwritten transactions. This includes evaluating the creditworthiness of customers, analysing financial data, and making informed decisions about lending.

Main Responsibilities:

  • Conduct detailed Credit Reviews and sanction Asset Finance transactions up to a personal credit underwriting mandate limit.
  • Analyse and provide recommendations on transactions being presented to the Transactional Credit Committee
  • Contribute to Watch List / Business Support List compilation and participate in appropriate forums
  • Have responsibility for reviewing and recommending changes to Credit Policy in terms of risk appetite for asset classes & asset types, products, and terms of lending.
  • Have responsibility for reviewing recommendations from Business Support and Collections teams in terms of actions on stressed assets including those in work-out and recoveries
  • Effective Stakeholder management and communication with Sales stakeholders - ensuring SLAs for deal decisions are managed

Key Skills:

  • Financial analysis and credit report writing skills
  • Knowledge of soft and hard assets
  • Ability to understand Credit Sanctioning decision systems
  • Cashflow analysis for larger transactions
  • Asset Finance / Banking experience

This is an exciting opportunity for a motivated individual to join Propel Finance as a Senior Underwriter. The successful candidate will have the opportunity to work with a dynamic team and contribute to the company's growth and success.



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