Credit Underwriter

£45,000 | United Kingdom | Permanent
Posted 2 months ago

Credit Underwriter

The Credit Underwriter/Analyst will join the Credit team to onboard UK based SME's looking to borrow working capital for their business. Joinig this fast growing P2P lending firm you will collate the necessary financial information and take the Client through the Credit process, produce a summary report and prepare a presentation for the Credit Committee to review. The candidate must be a team player, have excellent analytical and communication skills, a good telephone manner and have a diligent approach to their work load.

Core Responsibilities

* From lead generation by the Commercial team you will liaise with the Regional Director to complete a successful handover of the Client once the Client is appropriate to be passed to the Credit team
* Review and understand the Commercial paper prepared by the Regional Director
* Analyse the financial information of the Clients past financial performance
* Understand the Clients relationships with their Customers
* Analyse the Churn data of the Client customer base
* Review the relevant security requirements that the loan will be leveraged against
* Review a sample of Client contracts with their Customers
* Obtain market knowledge of the sector that the Client is operating in
* Test and review the Client financial model through the relevant Credit application tools
* Review insurance documents which the Client may have in place
* Analyse background information of the management team
* Prepare a Credit Paper with summary and conclusion of the Borrowing requirements, for review by the Head of Credit
* Prepare Credit Presentation for the Credit Committee
* Communicate with the Regional Director throughout the Credit Analysis of the Client
* Debrief with the Regional Director following the Credit Committee decision
* Successful Clients will continue to Market and Advertise on the ArchOver platform
* Assist Loan Management in preparing the project for the platform
* Prepare monthly analysis on the Credit pipeline
* Arrange and attend six monthly site visits at the Clients offices, perform testing on the relevant security requirements to support the loan

Preferred Qualifications and/or Experience

* An undergraduate degree (no subject preference);
* Previous underwriting experience or similar experience in a regulated environment
* Ideally a ACCA/ACA/CFA or equivalent qualifications
* An ability and desire to work in a challenging, fast-paced environment;
* To be comfortable with change, you will be based at head office (external meeting and travel when necessary);
* Be a team player;
* Excellent communication skills, both written and verbal;
* Outstanding organisational skills and ability to focus on detail

For more information about this role, please contact:

Luke Nash
0207 258 2384

See Luke Nash's jobs
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