Job Description
An opportunity has arisen for an experienced commercial finance professional to join a successful and established Invoice Finance provider in a new credit role.
The role will be hybrid in nature with the requirement to be in the office circa 1-2 days per week.
Main Duties, Responsibilities and Skills:
- Assess and underwrite new invoice finance proposals up to your delegated authority level
- Assess and approve proposals for existing clients up to your delegated authority level
- Analyse financial statements, management accounts, debtor books, and credit reports
- Conduct detailed risk assessments of clientsand their customers(debtors)
- Liaise with the business development team to shape deal structure and mitigate risks
- Make recommendations for deals outside of authorityto higher mandate holders
- Identify early warningsigns in existingclients being reviewed
- Good commercial awareness and knowledge of external market to adapt risk appetite accordingly
- Ensure compliance with internal policies, regulatory guidelines, and AML procedures
- Participate in process improvements where required
- Maintain familiarity with the latest fraud preventiontechniques and systems
- Help shape and refine credit strategy, policy and automation
- Strong analytical skills with a strongattention to detail
- Ability to assess financial information and make judgement on ability of a prospect/client to repay credit facilities
- Excellent verbal and written communication skills
- Ability to work underpressure to tight deadlines
- Ability to balance risk appetite with business growth objectives
- Build and maintaina good work relationship with the sales and ops team alike
- Work within company Credit Policy, ensuring consistent and robust decisions are made. Recommend any changes to policy for future improvements.
- Ensure that appropriate level of information is recorded regarding credit decisions for audit purposes
- Provide support and guidance to colleagues and other businessareas across the group
The successful candidate will be an analytical minded finance professional with a forensic approach to their work. They will be able to display a track record of success in a similar role within Invoice Finance/ABL credit and risk.
You will be rewarded with an excellent basic salary and benefits package.
Underwriter in Reading employer: M2 Professional Recruitment Services Ltd
As a leading independent commercial finance lender in Bristol, our company offers a dynamic work environment where Credit Controllers can thrive. We prioritise employee growth through ongoing training and development opportunities, while our supportive culture fosters collaboration and innovation. With competitive salaries, bonuses, and a comprehensive benefits package, we ensure that our team members feel valued and motivated to achieve their best.
Contact Details:
M2 Professional Recruitment Services Ltd Recruitment Team
