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For Companies At a Glance
- Tasks: Analyse credit data and assess risk for high-value transactions.
- Company: Leading Asset Finance House with a strong reputation.
- Benefits: Excellent salary, career development, and a supportive work environment.
- Why this job: Make a significant impact in a reputable organisation while advancing your career.
- Qualifications: 3-5 years of credit experience and strong analytical skills.
- Other info: Great scope for career growth and professional development.
The predicted salary is between 36000 - 60000 £ per year.
We are recruiting for a leading Asset Finance House in their search for a Middle Ticket Credit Underwriter, where the deals will be £500,000 to £5 Million in size. We are particularly keen to speak with individuals who have already held an underwriting authority of at least £1 Million.
Primary Responsibilities
- Analyse credit data and financial statements to assess risk in extending credit.
- Interpret and evaluate internal and external credit reference agency, broker, and market reports to determine risk levels.
- Conduct due diligence meetings with internal and external credit associations and business/customer representatives.
- Generate and evaluate financial ratios using internal credit tools to assess customers' financial status.
- Prepare risk reports with clear, concise, and rational recommendations for credit decisions.
- Exercise personal sanctioning authority with diligence and prepare recommendations for transactions outside personal sanctioning authority.
- Ensure compliance with industry guidelines and statutory regulations, including consumer credit, treating customers fairly, anti-money laundering, and data protection.
- Review existing transactions periodically and prepare recommendations for the renewal of internal credit ratings/facilities.
- Ensure all transactions meet appropriate credit sanctions and limits, and that all documentation is properly executed.
Requirements
- Minimum of 3-5 years of credit experience, ideally with a background in analysing and interpreting financial statements/data from various industries.
- Excellent analytical skills with a strong sense of commerciality and business focus.
- Good knowledge of the asset finance industry and various product offerings and funding facilities.
- Clear and efficient communication skills, both verbally and in writing, with peers and senior management.
This role is perfect for credit professionals who are looking to make a significant impact within a reputable organisation. If you possess the required skills and experience, this could be the next step in your career.
Asset Finance Credit Underwriter employer: Helicol-Pas
Contact Detail:
Helicol-Pas Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Asset Finance Credit Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the asset finance industry and let them know you're on the lookout for opportunities. You never know who might have a lead or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills and understanding of financial statements. Be ready to discuss how you've assessed risk in past roles, as this will show you're the right fit for the underwriting position.
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your career goals. Check out our website for openings that match your skills and experience, and tailor your approach to each one.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can go a long way in keeping you top of mind. Mention something specific from your conversation to show your genuine interest in the role.
We think you need these skills to ace Asset Finance Credit Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Asset Finance Credit Underwriter role. Highlight your relevant experience, especially any underwriting authority you've held, and showcase your analytical skills. We want to see how you can bring value to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this role. Mention specific experiences that relate to analysing credit data and financial statements, and show us your passion for the asset finance industry.
Showcase Your Analytical Skills: Since this role requires excellent analytical skills, make sure to include examples of how you've successfully assessed risk in previous positions. We love seeing clear, concise examples that demonstrate your ability to interpret financial data effectively.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it shows us you're keen to join our team!
How to prepare for a job interview at Helicol-Pas
✨Know Your Numbers
As an Asset Finance Credit Underwriter, you'll need to be comfortable with financial statements and credit data. Brush up on your analytical skills and be ready to discuss how you've assessed risk in previous roles. Prepare examples of financial ratios you've generated and how they influenced your credit decisions.
✨Understand the Industry
Familiarise yourself with the asset finance industry and its various product offerings. Research recent trends and challenges in the market. This knowledge will not only impress your interviewers but also help you articulate how you can contribute to their organisation's success.
✨Prepare for Due Diligence Discussions
Since conducting due diligence meetings is a key responsibility, think about how you would approach these discussions. Be ready to share your experience in collaborating with internal and external stakeholders, and how you ensure compliance with regulations while treating customers fairly.
✨Communicate Clearly and Confidently
Strong communication skills are essential for this role. Practice articulating your thoughts clearly, both verbally and in writing. Consider preparing a concise risk report as a sample to showcase your ability to make rational recommendations based on your analysis.
