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- Tasks: Analyse credit data and assess risk for lending decisions.
- Company: Dynamic SME loan provider with a focus on career growth.
- Benefits: Salary up to £35k, 28 days holiday, healthcare, and life assurance.
- Other info: Great opportunities for career development in a supportive team.
- Why this job: Kickstart your career in credit risk with real impact on business decisions.
- Qualifications: Organised, proactive, and able to analyse financial information.
The predicted salary is between 30000 - 35000 £ per year.
We are looking to recruit a Junior Underwriter who is focused on building a career in Credit Risk. Our client is a provider of loans and asset finance to SME businesses with both direct and broker routes to market. Direct business is funded either on its own book or placed with third-party funders. Broker-introduced business is funded on their own book. The typical transaction size is c. £50k.
Your role and key responsibilities:
- Working within a team of credit underwriters
- Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money
- Assessing, analysing and interpreting other credit-related information
- Undertaking affordability analysis based on various financial and non-financial information
- Be open and approachable for appeal of your decisions and have the ability to see a deal when originally you may not have done so
- Ensuring strong lines of communication with all areas of the business are maintained
Your skills and knowledge:
- Underwriting experience is preferred but not essential
- The ideal candidate will be organised, meticulous, prepared to take ownership of tasks, able to manage their own time, proactive and able to follow tasks through to completion
- The ability to work under pressure and to tight time frames is paramount
- Good time management
- Ability to make decisions on a rate-for-risk basis
- Numerate with the ability to analyse financial statements and other credit-related information
In addition to an excellent basic salary, our client offers excellent career development, 28 days holiday (this includes three days at Christmas when the office closes) plus bank holidays. Holiday amounts increase with the length of service. Healthcare, cash plan and travel insurance, life assurance.
Contact Julie for more information: 01279713900
Junior Credit Underwriter employer: Leasing Life
Contact Detail:
Leasing Life Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Junior Credit Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can refer you directly.
✨Tip Number 2
Prepare for interviews by researching the company and understanding their credit risk approach. Be ready to discuss how your skills align with their needs, especially around analysing financial statements and making decisions.
✨Tip Number 3
Practice your decision-making skills! Think through various scenarios where you’d need to assess risk and affordability. This will help you feel more confident when discussing your thought process during interviews.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search!
We think you need these skills to ace Junior Credit Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Junior Credit Underwriter role. Highlight any relevant experience, skills, and achievements that align with the job description. We want to see how you fit into our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your skills make you a great fit for us. Keep it concise but engaging – we love a good story!
Showcase Your Analytical Skills: Since the role involves analysing credit data and financial statements, be sure to mention any experience or coursework that demonstrates your analytical abilities. We’re looking for someone who can dive deep into numbers!
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and keep track of all the amazing candidates like you!
How to prepare for a job interview at Leasing Life
✨Know Your Numbers
As a Junior Credit Underwriter, you'll be dealing with financial statements and credit data. Brush up on your numeracy skills and be ready to discuss how you would analyse these documents. Practising with sample financial statements can help you feel more confident.
✨Showcase Your Organisational Skills
The role requires strong time management and the ability to handle multiple tasks. Prepare examples from your past experiences where you've successfully managed your time or organised a project. This will demonstrate your proactive approach and ownership of tasks.
✨Be Open to Feedback
The job involves making decisions that can be appealed. Show that you're approachable and willing to reconsider your decisions if new information comes to light. Think of instances where you've adapted your viewpoint based on feedback and be ready to share those stories.
✨Communicate Clearly
Strong communication is key in this role. Practice explaining complex ideas simply and clearly. During the interview, make sure to articulate your thoughts well and ask questions to show your engagement. This will highlight your ability to maintain strong lines of communication across the business.