Credit Specialist

**Aldermore Group - why we exist**

**Let us tell you a bit about us**

We’re Aldermore - the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it.

We thrive by saying “yes” to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose Motonovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

**Let us tell you a bit about the opportunity**

You will be part of a team responsible for protecting the bank from unexpected bad debt by way of responsible lending within the Aldermore Lending Policy and Group Risk Framework. You will support the Specialist Car Credit Team in the underwriting of new business proposals ensuring proposals are underwritten consistently in accordance with Aldermore Lending Policy and Standards.

You’ll communicate effectively with both internal and external stakeholders always exhibiting a ‘can do’ approach and consistently demonstrating and delivering on the Bank’s promises.

**_ To act as an ambassador of the Bank’s vision to; Back more people to go for it in life and in business._**

**What will your day look like?**

You will report into the Senior Credit Manager - Specialist & Flow Credit, who will be your line manager and responsible for things like performance review meetings, 1-2-1s and development conversations.

The role of Credit Specialist is really important to us. You will be responsible for:

- Individually assessing and recommending specific new business proposals within approval authority.
- Developing a network of stakeholder relationships, both internal and with the Bank’s broker panel within the specialist car group in order to continue providing excellent customer focus without compromising risk standards.
- Building and maintaining strong working relationship with Asset Management to confirm suitability of assets and structure being underwritten and inherent risks specific to transactions but also understanding the market dynamics around asset collaterals and how that relates to our appetite/origination and portfolio.
- Liaise with KYC dept and Financial Crime Departments regarding any related customer issues highlighted during the on-boarding process and identifying any Fraud risks.
- Attending ad hoc meetings, projects and undertaking ad hoc tasks as required.

**What do we expect from you?**
- Extensive experience within the Asset Finance industry.
- Experience in credit underwriting with own delegated mandate (ideally).
- Experience of working within complex processes and systems in a regulated environment
- Experience of working to tight SLA’s and processing high volumes of new business proposals.
- Proven negotiating skills and strong solutions orientation.

**What can you expect from us?**
- A friendly and flexible culture, the same as how we work with our customers.
- A growing organisation that means there’s lots of opportunities to progress
- A drive for continuous improvement, which you will be empowered to get behind from day one.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

**Still curious?**

Join us and we’ll make the same promises to you as a colleague, as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.

**Please note that we have a thorough referencing process, which includes criminal record checks.**

We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed.

We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around.