At a Glance
- Tasks: Assess funding applications and make independent credit decisions for SME companies.
- Company: Dynamic lender in the SME Asset Finance market with a focus on innovation.
- Benefits: Hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Mentorship opportunities and a collaborative team culture await you.
- Why this job: Shape the Risk Function and make impactful lending decisions in a fast-paced environment.
- Qualifications: 2-3 years of experience in financial services and strong analytical skills required.
The predicted salary is between 44595 - 54505 £ per year.
Glasgow Hybrid working: three days a week in the office.
Our client is a lender to the SME Asset Finance market. We are seeking to recruit a Credit Underwriter experienced in fast-moving ‘flow’ asset finance to support the Risk Function. This is a unique opportunity to help shape the Risk Function of the business to meet the demands of the market.
You will be responsible for assessing funding applications, utilising and further developing your functional expertise in credit analysis by learning from an experienced Risk Director. This is a key function for the business where you will be supporting the business by making meaningful lending decisions to SME companies.
You will be:
- Verifying information on clients’ applications and evaluating fraud risks.
- Given the responsibility to make independent credit decisions within your own delegate authority.
- In close contact with our Brokers to ensure an excellent client experience.
- Making recommendations for developing systems, processes and business policies and guidelines.
- Mentoring and training junior credit analysts as they come on board.
- Directly supporting the business by enhancing the quality of credit applications, as well as making recommendations to colleagues to ensure that commercial opportunities are maximised while adhering to business policies and guidelines.
Your skills and qualifications:
- A minimum of 2-3 years of experience in financial services as an Underwriter or Credit Analyst for the UK market.
- A university degree in business, finance, economics, mathematics or other related numerical subjects.
- Experience in the SME sector (preferred), however experience within the consumer, commercial, or mortgage sector is also of interest to us.
- A sound understanding of financial ratios, credit reporting agency data, and experience in analysing financial statements.
- A solid grasp of UK credit bureau data and ancillary sources.
- Strong analytical capabilities and excellent Excel skills.
- A strong work ethic with great attention to detail; a team player with the ability to work independently while contributing to the success of our team at the same time.
- Excellent verbal and written communication skills, as well as excellent planning and organisational skills while always maintaining an enthusiastic ‘can-do’ attitude.
- Can establish effective working relationships at all levels and be consistently customer-focused with a commercial approach.
Contact Julie for more information: 01279713900.
Credit Underwriter in Glasgow 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.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Underwriter in Glasgow
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Leasing Life. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Underwriter in Glasgow
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Leasing Life.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Leasing Life's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Leasing Life
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Leasing Life.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Leasing Life will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Leasing Life employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
