At a Glance
- Tasks: Evaluate credit proposals and make informed recommendations to ensure sound lending decisions.
- Company: Dynamic lender in the hard asset sector with a focus on growth and compliance.
- Benefits: Competitive salary, benefits package, and opportunities for professional development.
- Other info: Opportunity for career advancement in a supportive and collaborative environment.
- Why this job: Join a team that values your insights and helps shape the future of lending.
- Qualifications: Experience in credit analysis and strong financial analysis skills required.
The predicted salary is between 40000 - 50000 £ per year.
Essex
Salary £40k-£50k plus benefits
Working for a lender in the hard asset sector seeking an underwriter/analyst to provide the credit function with the skills and competencies to ensure the company makes good credit underwriting decisions/recommendations based on recognised lending standards and within policy criteria.
Key responsibilities:
- Ensure that new proposals are verified, checked and a decision/recommendation made within a turnaround time that is acceptable to the business.
- Use any authority and knowledge in a manner that means the business we accept will allow us to prevent default and litigation cases that otherwise will result in us incurring unacceptable impairment volumes and values.
- Ensure that underwriting policies are complied with and are in compliance with the requirements of any legal, fiscal or commercial requirements.
- Carry out regular monitoring routines for both consumer and corporate business customers and make recommendations when necessary.
- Organise or participate in regular and ad hoc Credit Committee meetings to review and make recommendations relating to proposals.
- Provide accurate and timely reports to management in the formats and frequencies required from time to time.
- Support the UK Management team in all risk compliance and anti-money laundering matters.
- Provide support as required with reporting and impairment calculations.
- Manage credit line and existing large-value exposures in line with company policies.
- Visit customers as requested to complete credit work as required.
Skills and experience:
- Skilled and experienced in underwriting business credit applications.
- Understanding of credit in asset finance or possibly motor finance.
- Highly skilled in financial analysis for credit underwriting purposes and contract documentation.
- Knowledge and experience in operating in a regulated environment using all AML/KYC tools.
- Possess excellent people skills and be an effective team player.
- Excellent communication skills – both oral and written.
- Well-organised and capable of working on own initiative.
Additional job requirements:
- Eligibility to work in the UK.
- Full clean driving licence.
- Ability to travel around the territory, with some overnight stays, when occasionally, if rarely, relevant.
Contact Julie for more information: 01279713900
Credit Analyst/Underwriter in Essex employer: Leasing Life
Join a dynamic and supportive team in a thriving business lending environment where your contributions directly impact customer success. Our company fosters a collaborative work culture that prioritises employee growth, offering ongoing training and development opportunities to enhance your skills in asset finance and compliance. Located in a vibrant area, we provide a stimulating workplace that values innovation and teamwork, making it an excellent choice for those seeking meaningful and rewarding employment.
