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- Tasks: Support underwriting and assess clients' creditworthiness for high-end vehicle finance.
- Company: Join JBR Capital, a leader in bespoke vehicle finance dedicated to customer passion.
- Benefits: Enjoy a dynamic workplace with opportunities for personal growth and career development.
- Why this job: Be part of a team that values integrity, empathy, and collaboration while delivering premium service.
- Qualifications: Experience in credit and underwriting, strong numeracy, and excellent communication skills required.
- Other info: Work with high-net-worth individuals and engage in innovative lending solutions.
The predicted salary is between 43200 - 72000 £ per year.
JBR Capital is a bespoke specialist high-end vehicle finance lender dedicated to enabling customers to transform their automotive passion into reality. We combine the expertise of our colleagues with the efficiencies of cutting-edge technology to build a scalable platform that redefines passion asset lending.
We believe in taking a holistic view of each customer’s unique situation, and we apply the same approach when seeking individuals who are passionate about delivering a premium service to join us. Our team embodies JBR Capital’s values of integrity, empathy, commitment, collaboration, and entrepreneurship.
At JBR Capital, we are committed to fostering a dynamic and inclusive workplace where innovation and creativity are encouraged. We believe that empowering our employees to pursue their professional ambitions leads to personal growth and drives our collective success. By nurturing talent and providing development opportunities, we ensure that our team remains at the forefront of the industry, delivering exceptional experiences for our clients while enjoying career development.
Purpose and scope of job
To support the business in the achievement of its goals through the delivery of effective underwriting.To support the Head of Underwriting and senior managers across the business with implementing the appropriate risk appetite and effective changes of policy & procedures whilst maintaining the focus of the customer at the heart of everything we do
- Underwriting loan applications in line with the credit policy framework.
- Analysing and assessing clients credit worthiness and vehicle valuations leading to making a responsible lending decision whilst considering portfolio metrics.
- Creating lending solutions for more complex borrowing structures.
- Preparing ad hoc credit reports to the Head of Underwriting and Chief Credit Officer and wider stakeholder environment and presentation of portfolio analytics and initiatives at Committee levels.
- Liaising with the Sales & Client Services Teams along with Introducers to optimise the client experience.
- Fully compliant with all on-line training, including all AML and Regulatory requirements.
Qualifications
- Credit and underwriting experience in motor finance / asset finance.
- Ability to interpret financial statements and management accounts.
- Strong numeracy, reporting and Excel skills.
- Experience within credit underwriting, ideally in the motor finance industry.
- Excellent interpersonal and communication skills.
- Able to communicate at all levels with attention to detail.
- Self-starter, capable of working individually or as a part of a team.
- To excel in delivering a customer focused solution within risk appetite.
- Experience of working with HNW individuals.
- Ability to communicate effectively with colleagues and to explain technical subjects to non-technical audiences.
Credit Manager employer: JBR Capital
Contact Detail:
JBR Capital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Manager
✨Tip Number 1
Familiarize yourself with the specific nuances of motor finance and asset lending. Understanding the unique challenges and opportunities in this sector will help you stand out during discussions with our team.
✨Tip Number 2
Showcase your ability to analyze financial statements and management accounts. Be prepared to discuss how you've applied these skills in previous roles, especially in relation to credit underwriting.
✨Tip Number 3
Highlight your experience working with high-net-worth individuals. Sharing specific examples of how you've tailored solutions for this demographic can demonstrate your understanding of their unique needs.
✨Tip Number 4
Emphasize your interpersonal and communication skills. Being able to convey complex information clearly to both technical and non-technical audiences is crucial in our collaborative environment.
We think you need these skills to ace Credit Manager
Some tips for your application 🫡
Understand the Company: Take some time to research JBR Capital. Understand their values, mission, and the specific role of a Credit Manager within their organization. This will help you tailor your application to align with their culture.
Highlight Relevant Experience: Make sure to emphasize your credit and underwriting experience in motor finance or asset finance. Provide specific examples of how you've assessed creditworthiness and created lending solutions in your previous roles.
Showcase Your Skills: Detail your strong numeracy, reporting, and Excel skills in your CV and cover letter. Mention any experience you have with financial statements and management accounts, as these are crucial for the role.
Personalize Your Application: Craft a personalized cover letter that reflects your passion for delivering premium service and your ability to communicate effectively with clients and colleagues. Highlight your commitment to customer-focused solutions and teamwork.
How to prepare for a job interview at JBR Capital
✨Show Your Passion for Automotive Finance
Make sure to express your enthusiasm for the automotive industry and how it aligns with your career goals. JBR Capital values individuals who are passionate about delivering premium service, so share any relevant experiences that highlight your dedication.
✨Demonstrate Your Analytical Skills
Prepare to discuss your experience with credit analysis and underwriting. Be ready to explain how you assess clients' creditworthiness and vehicle valuations, as this is crucial for the role. Use specific examples from your past work to illustrate your analytical capabilities.
✨Highlight Your Interpersonal Skills
Since the role involves liaising with various teams, emphasize your communication skills. Share examples of how you've effectively collaborated with sales or client services teams in the past, and how you ensure a positive client experience.
✨Be Prepared for Technical Questions
Expect questions related to financial statements and management accounts. Brush up on your knowledge of these topics and be ready to explain complex concepts in simple terms, as you'll need to communicate effectively with both technical and non-technical audiences.
