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- Tasks: Lead underwriting for high-end vehicle finance, ensuring responsible lending decisions.
- Company: Join JBR Capital, a specialist lender transforming automotive passion into reality with cutting-edge technology.
- Benefits: Enjoy a dynamic workplace that fosters innovation, creativity, and personal growth opportunities.
- Why this job: Be part of a team that values integrity and collaboration while delivering exceptional client experiences.
- Qualifications: Must have credit and underwriting experience in motor finance, strong numeracy, and excellent communication skills.
- Other info: Ideal for self-starters who thrive in a customer-focused environment and enjoy working with high-net-worth individuals.
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 Underwriting Manager, Motor Finance employer: JBR Capital
Contact Detail:
JBR Capital Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwriting Manager, Motor Finance
✨Tip Number 1
Familiarize yourself with the latest trends in motor finance and high-net-worth (HNW) lending. Understanding the unique needs of HNW clients will help you demonstrate your ability to deliver tailored solutions during the interview process.
✨Tip Number 2
Network with professionals in the motor finance industry, especially those who have experience in credit underwriting. Engaging with industry experts can provide valuable insights and potentially lead to referrals that could enhance your application.
✨Tip Number 3
Prepare to discuss specific examples of how you've successfully assessed creditworthiness and created lending solutions in previous roles. Highlighting your analytical skills and customer-focused approach will resonate well with our values.
✨Tip Number 4
Showcase your proficiency in Excel and reporting by being ready to discuss how you've used these skills to analyze financial statements and management accounts. This will demonstrate your technical capabilities and attention to detail, which are crucial for this role.
We think you need these skills to ace Credit Underwriting Manager, Motor Finance
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your credit and underwriting experience specifically in motor finance or asset finance. Use keywords from the job description to demonstrate that you meet the qualifications they are looking for.
Craft a Compelling Cover Letter: In your cover letter, express your passion for delivering premium service and how your values align with JBR Capital's commitment to integrity, empathy, and collaboration. Provide specific examples of how you've successfully managed complex borrowing structures in the past.
Showcase Your Analytical Skills: Emphasize your ability to analyze financial statements and assess creditworthiness. Include any relevant experiences where you made responsible lending decisions based on portfolio metrics.
Highlight Communication Skills: Since the role requires excellent interpersonal and communication skills, mention instances where you've effectively communicated technical subjects to non-technical audiences. This will show your ability to liaise with various teams and clients.
How to prepare for a job interview at JBR Capital
✨Show Your Passion for Motor Finance
Make sure to express your enthusiasm for the motor finance industry during the interview. Share any personal experiences or insights that demonstrate your passion for high-end vehicles and how it aligns with the company's mission.
✨Demonstrate Your Analytical Skills
Be prepared to discuss your experience with analyzing financial statements and assessing creditworthiness. Bring examples of how you've successfully made lending decisions based on complex data, showcasing your strong numeracy and reporting skills.
✨Highlight Your Interpersonal Skills
Since the role involves liaising with various teams, emphasize your excellent communication skills. Provide examples of how you've effectively communicated technical information to non-technical audiences, ensuring clarity and understanding.
✨Emphasize Customer-Centric Solutions
Discuss your approach to delivering customer-focused solutions within risk appetite. Share specific instances where you prioritized client needs while adhering to credit policies, demonstrating your commitment to exceptional service.
