Overview
In this role you will assess dealer funding opportunities and existing applications, analysing financials and market information to support evidence-based lending. You will partner with Distribution, Operations and Risk to influence credit decisions and monitor portfolio performance. You’ll help maintain a strong risk culture while supporting responsible growth in a fast-paced environment. This role offers a specialist focus on Dealer Funding and wholesale motor finance within MotoNovo.
Pay / Benefits
- Hybrid working (2 days onsite in Cardiff)
- Annual bonus
- Up to 10% employer pension contribution
- Private medical insurance (BUPA)
- 38 days holiday including bank holidays
- Core benefits package
Responsibilities
- Assess new and existing dealer funding applications and provide balanced lending recommendations
- Analyse financial statements, trading performance, security and market data to support credit decisions
- Conduct annual credit reviews and identify changes in dealer risk profiles
- Monitor facilities, highlight emerging risks and support mitigation actions
- Collaborate with Distribution to support new business opportunities and renewals
- Produce portfolio insights and management information to identify trends and opportunities
- Maintain accurate credit documentation and ensure decisions are compliant with policy
- Support management of higher-risk facilities and strengthen risk and control environment
Key requirements
- Experience in credit underwriting, credit analysis, wholesale lending, dealer funding or related commercial finance environment
- Understanding of credit risk principles and lending within a defined risk appetite
- Experience analysing financial statements and using data to support lending decisions
- Strong written and verbal communication skills for cross-stakeholder relationships
- Excellent organisation skills and ability to manage competing priorities
- Experience in motor finance, dealer funding or wholesale lending (highly advantageous)
- Collaborative approach to stakeholder management
- Analytical and evidence-based thinking
- Strong written and verbal communication
- Credit underwriting
- Credit analysis
- Wholesale lending
Wholesale Credit Underwriter in Cardiff employer: Aldermore Bank
Aldermore Bank is an excellent employer that prioritises a collaborative and innovative work culture, fostering an environment where employees can thrive and contribute to meaningful financial crime prevention efforts. With a strong commitment to professional development, employees are offered numerous growth opportunities and the chance to make a significant impact in a dynamic sector. Located in a vibrant area, Aldermore Bank provides unique advantages such as flexible working arrangements and a supportive team atmosphere, making it an attractive place for those seeking rewarding careers.
