Senior Credit Underwriter - Witney

Role Overview: * Working within the existing Credit Underwriting team of a well established asset finance leasing company to credit underwrite all new business prospects for our own book and the broking out of proposals to other Funders. Main Duties: * To manually assess all new business proposals, reviewing the proposal form, credit searches, supporting information including bank statements, financial accounts and any other additional information provided. * To underwrite proposals in line with the company's credit policy and risk acceptance criteria up to the individuals remit within set SLA’s. * Make credit recommendations to the Credit Manager/Directors for proposals outside of their remit. * Where required, request additional information to further strengthen a proposal to be able to offer an acceptance. * Broke out proposals to other Funders which fail to meet the company's criteria or where we are unable to offer the finance ourselves. * Build relationships with other Funders to who the company brokers business. * Help identify gaps in our funding panel and find solutions to those gaps. * Work with the Sales Team/Brokers to maximise every opportunity and work with them to find ways to write new deals. * Assist the Credit Manager to assess new introducers and ongoing monitoring of those once approved for both financials strength and FCA compliance. * Assist the Credit Manager in the training and development of the more junior underwriters. * Any other reasonable tasks at the request of the company management. * Assist the Credit Manager with other areas of underwriting/credit as and when required. Key Skills: * Must be self motivated and be able to work on own initiative. * Must be able to work under pressure and deliver decisions within a timely manner to meet SLA’s. * Work well within a small team whilst working independently. * Have good communication skills, both written and verbal and have excellent telephone manner. * Be able to build positive professional working relationships with our introducers, suppliers and service providers. * Good numeracy skills and be confident working with numbers. * Be hard working, proactive and enthusiastic. * Good time management skills and able to prioritise workloads to ensure targets are met. * High attention to detail and high levels of accuracy. * Identify opportunities. * Be willing to take on additional and varied tasks to support the business requirements. Experience/Qualifications: * Must have a minimum of five years credit underwriting experience in a similar organisation. * Direct experience within the asset finance/leasing industry and experience of a wide asset range. * Familiar with the SME market. * IT literate. * Good background education (ideally to a Degree level)