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- Tasks: Assess and underwrite asset finance requests for business clients.
- Company: Join a supportive UK Credit Team in a growing financial services firm.
- Benefits: Competitive salary, discretionary bonus, hybrid working, and excellent benefits package.
- Why this job: Make a real impact by helping businesses secure the funding they need.
- Qualifications: Experience in credit assessment and strong analytical skills required.
- Other info: Opportunity to mentor junior team members and grow your career.
The predicted salary is between 36000 - 60000 £ per year.
Job Description
About the Role
Our client is seeking an experienced Credit Underwriter to join their UK Credit Team, which is responsible for delivering asset-based facilities for business clients. This is an excellent opportunity for a finance professional to apply strong analytical skills within a growing and supportive environment, assessing and underwriting asset finance facilities for SME and corporate customers.
Key Responsibilities
Carry out credit assessments and underwriting for soft asset classes (limited collateral value).
Conduct full credit due diligence on asset finance requests up to £500k, including financial, product, and industry analysis.
Structure, underwrite, and document facilities that balance client and investor needs.
Collaborate with sales, asset management, and pricing teams to ensure accurate information is captured, risk is minimised, and profitability is maximised.
Produce high-quality credit reports for new facility requests.
Prepare and support credit ratings in line with company policy.
Manage approvals within personal authority or escalate to the appropriate credit authority.
Hold and exercise a personal credit authority (analyst level typically up to £250k).
Provide support on counter-fraud and regulatory tasks within the Credit Department.
Depending on experience, provide mentoring and supervision to junior team members.
About You
Proven credit assessment/underwriting experience within financial services.
Demonstrated use of a personal credit authority.
Strong attention to detail and ability to deliver independent analysis and decision-making.
Excellent time management and prioritisation skills.
Able to quickly build credibility with stakeholders across multiple teams.
Leadership or mentoring experience is desirable but not essential.
Benefits
Competitive salary + discretionary bonus
Excellent benefits package (pension, medical cover, death in service, enhanced annual leave)
Hybrid working – 2 days from home per week
Opportunity to join a forward-thinking, collaborative team
Please note:
As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion.
In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you. Source4 are an equal opportunities employer and complies with all relevant UK legislation. If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview.
Senior Credit Analyst FTC employer: Source4 Personnel Solutions
Contact Detail:
Source4 Personnel Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Analyst FTC
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance world, especially those in credit analysis. A friendly chat can lead to insider info about job openings that aren't even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills. Be ready to discuss specific examples of your credit assessments and how you’ve balanced client needs with risk management. We want to see your thought process!
✨Tip Number 3
Don’t forget to showcase your teamwork skills! Highlight experiences where you collaborated with sales or asset management teams. This shows you can work well across departments, which is key in this role.
✨Tip Number 4
Apply through our website for the best chance at landing the job! It’s the quickest way for us to see your application and get you into the interview process. Plus, we love seeing candidates who take that extra step!
We think you need these skills to ace Senior Credit Analyst FTC
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Analyst role. Highlight your credit assessment experience and any relevant analytical skills that match what we're looking for. This shows us you’re serious about the position!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for our team. Mention specific experiences that relate to asset finance and how you can contribute to our collaborative environment.
Showcase Your Analytical Skills: Since this role requires strong analytical skills, be sure to include examples of how you've successfully conducted credit assessments or due diligence in the past. We want to see your thought process and decision-making abilities!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it makes the whole process smoother for everyone involved!
How to prepare for a job interview at Source4 Personnel Solutions
✨Know Your Numbers
As a Senior Credit Analyst, you'll need to demonstrate your analytical prowess. Brush up on key financial metrics and be ready to discuss how you assess creditworthiness. Prepare examples of past credit assessments you've conducted, focusing on the methodologies you used.
✨Understand the Asset Classes
Familiarise yourself with the soft asset classes mentioned in the job description. Be prepared to discuss how you would approach underwriting for these assets, including any unique challenges they present. This shows that you’re not just knowledgeable but also proactive in understanding the role.
✨Collaboration is Key
Since the role involves working with various teams, think of examples where you've successfully collaborated with sales, asset management, or pricing teams. Highlight your communication skills and how you ensure accurate information flow to minimise risk and maximise profitability.
✨Showcase Leadership Potential
Even if you don't have formal leadership experience, think about times when you've mentored or supported junior colleagues. Be ready to discuss how you can contribute to the team's growth and development, as this could set you apart from other candidates.
