At a Glance
- Tasks: Evaluate credit applications and make decisions on asset finance proposals.
- Company: Join a dynamic team at Benjamin Edwards in Nottingham.
- Benefits: Enjoy competitive salary, flexible working, and generous leave options.
- Other info: Opportunities for career progression and international project involvement.
- Why this job: Make impactful decisions while building strong relationships with dealers and customers.
- Qualifications: Degree in Business/Management or Accounting/Finance; experience in credit underwriting preferred.
The predicted salary is between 40000 - 42000 £ per year.
Location: Nottingham/Hybrid
Salary: £40,000 to £42,000 per annum
Vacancy Type: Permanent, Full Time
Benjamin Edwards are recruiting for a Credit Underwriter for a small, dynamic team. As Credit Underwriter, you will independently make decisions on moderately complex credit applications for asset finance proposals, working within the company’s credit guidelines, policies, and procedures. You will support and maintain strong dealer and partner relationships and may assist with coaching and guiding junior colleagues. Occasional customer and dealer visits will be required.
What’s on offer to the Credit Underwriter:
- Supportive, flexible, and inclusive working environment
- Attractive remuneration and bonus scheme
- Generous pension scheme
- Employee assist benefit
- Long service awards
- Hybrid/flexible working
- Hours of work are Monday - Friday - 37.5 hours per week
- Easy access and free parking
- Career progression / international exposure through project work
- Group Income Protection and Group Life Assurance and Death in Service benefits
- 25 days annual leave
- Long service bonus holiday (+ opportunity to buy and sell holiday)
The role of Credit Underwriter:
- Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information for cash flow, balance sheet strength and profitability.
- Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite.
- Portfolio Management: Manage and review credit lines that fall within local authority limits, including processing renewals, monitoring customer performance, and authorising additional transactions within mandate.
- Customer Communication: Conduct customer visits to clarify financial queries, understand business needs, and strengthen relationships.
- Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide guidance to help dealers and area sales teams improve the quality and structure of proposal submissions.
- Stakeholder Engagement: Build and maintain strong relationships with dealers, Area Sales Managers, and internal stakeholders through regular communication and occasional in-person meetings.
- Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction.
- Team Development: Mentor and coach junior colleagues and internal staff, contributing to their professional growth and capability development.
- Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness.
The ideal candidate for the role of Credit Underwriter:
- Degree in a Business/Management discipline or degree in an Accounting/Finance discipline or equivalent experience
- Credit underwriting in asset finance preferably in agriculture or construction or other off-highway applications
- Good knowledge of financial analysis, accounting principles, and credit risk assessments
- Experience working in customer service or related customer-oriented environments
To Apply: If you feel you are a suitable candidate and would like to work for Benjamin Edwards Ltd, please do not hesitate to apply.
Credit Risk Underwriter. Job in Nottingham LilyLifestyle Jobs employer: United Cerebral Palsy of Georgia
At Benjamin Edwards, we pride ourselves on being an excellent employer, offering a supportive and inclusive work environment that values flexibility and employee well-being. Our competitive salary and benefits package, including generous annual leave and career progression opportunities, make us an attractive choice for those seeking meaningful employment in Nottingham. Join our dynamic team as a Credit Risk Underwriter and enjoy the chance to develop your skills while making impactful decisions in asset finance.
Contact Details:
United Cerebral Palsy of Georgia Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Underwriter. Job in Nottingham LilyLifestyle Jobs
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and underwriting sectors. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by practising common questions related to credit risk and asset finance. Think about your past experiences and how they relate to the role. We recommend doing mock interviews with friends or using online platforms to boost your confidence.
✨Tip Number 3
Showcase your skills! Create a portfolio that highlights your achievements in credit underwriting. Include case studies or examples of successful proposals you’ve worked on. This will help you stand out during interviews and demonstrate your expertise.
✨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 and engaged with our company. So, get your application in and let’s make it happen!
We think you need these skills to ace Credit Risk Underwriter. Job in Nottingham LilyLifestyle Jobs
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Underwriter role. Highlight your experience in credit underwriting and financial analysis, and don’t forget to mention any relevant qualifications or skills that match the job description.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for the team. Mention your experience with asset finance proposals and how you can contribute to maintaining strong dealer relationships.
Showcase Your Decision-Making Skills:In your application, emphasise your ability to make independent decisions on credit applications. Share examples of how you've successfully assessed financial statements and made recommendations in previous roles.
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at United Cerebral Palsy of Georgia
✨Know Your Numbers
As a Credit Risk Underwriter, you'll be dealing with financial statements and credit assessments. Brush up on your financial analysis skills and be ready to discuss how you evaluate cash flow and profitability. Prepare examples from your past experience where you've successfully assessed credit applications.
✨Understand the Company’s Guidelines
Familiarise yourself with the company's credit policies and procedures before the interview. This will not only show that you're serious about the role but also help you articulate how you would make decisions in line with their risk appetite during the interview.
✨Build Rapport with Stakeholders
Since the role involves maintaining strong relationships with dealers and partners, think of ways to demonstrate your interpersonal skills. Prepare anecdotes that showcase your ability to communicate effectively and build rapport, especially in customer service settings.
✨Showcase Your Mentoring Skills
The job mentions mentoring junior colleagues, so be prepared to discuss your experience in coaching or guiding others. Share specific instances where you've helped someone grow professionally, as this will highlight your leadership potential and fit within the team.
