Underwriter

**About The Role**

**Job Purpose**

The Underwriter will support SME Lending's underwriting process to ensure the integrity and quality of new business proposals and the SME Lending portfolio. The Underwriter will have an underwriting authority as approved by the Credit Committee.

**Key Skills**
- Ensure annual reviews are completed on time
- Assist in the preparation of credit papers for submission
- Encourage an open culture with regular two-way communication
- Drive continuous improvement activity challenging processes and procedures to deliver optimal efficiency and effectiveness
- Build effective relationships within SME Lending businesses
- Communicate effectively with both internal and external customers
- Ensure that online training and regulatory reading is completed on time
- Support and assist the Senior Credit Managers as and when required

**About You**

**Essential Skills**
- At least 3 years proven experience of underwriting transactions in a vendor / direct asset finance lending environment, having held a personal lending mandate
- Solid and demonstrable experience in a wide range of assets and lending structures
- Commercial lending experience in unsecured lending transactions
- Experience of working in a direct and broker origination model
- Thorough understanding of finance products and appropriate security/ legal/ documentation risks
- Experience of underwriting SME's and assessing 'story credit' new business opportunities
- Ability to make sound commercial credit decisions within the organisation's credit appetite
- Strong interpersonal and influencing skills
- Advanced written and presentation skills
- Proven analytical skills
- **Flexibility and adaptability in attitude to embrace change within a business growth environment**

**Qualifications & Experience**

Degree or equivalent in a Business discipline is preferred. Understanding of the Operations, Customer, Services, or Collections function in asset finance asset is essential, as is previous knowledge of underwriting and assessing invoice finance.

**Working Hours**

Working 37.5, Monday to Friday 8.30am to 5.00pm with one hour for lunch.