Credit Underwriter

Commercial Real Estate – Business Analyst – London
January 14, 2020
Junior Finance and Operations Analyst
January 15, 2020
Published: January 14, 2020
Location
London, United Kingdom
Job Type
Category
Salary
 £50,000 - £60,000 plus bonus and excellent benefits

Description

This is a fantastic opportunity to join an established, specialist Bank who provide Asset Finance to British businesses.

As the Flow Credit Underwriter you will have the opportunity to use your expertise and experience to influence, develop and shape the approach to underwriting this line of business.

As Credit Underwriter your responsibilities and duties will include:

  • Timely and accurate underwriting decisions within a personal delegated authority and recommendations to senior management and Transactional Credit Committee where outside of personal mandate
  • Prepare comprehensive financial analysis and credit paper, identifying all material financial and other risks and opportunities in order to arrive at a balanced and informed recommendation
  • To be fully knowledgeable of all bank Credit and compliance policies and underwrite accordingly
  • Undertakes all appropriate diligence in respect of transactions, including reference to relevant bureaus, referencing agencies & other external sources ensuring alignment to the Bank’s risk policies
  • Maintains active watch over portfolio performance & awareness of market trends
  • Visit customer as required
  • Contribute to continuous improvement of policies and procedures within the Banks Risk Management Framework

About You

  • Extensive experience in a relevant role within Credit / Risk Management
  • The willingness, aptitude and gravitas to be a key member of a growing business
  • Fundamental knowledge of financial analysis of SME’s and corporates and attention to detail
  • Strong report writing skills
  • From a credit perspective, lending experience of SME and corporate clients
  • Understanding of regulatory governance and ensuring compliance with lending and credit policies (including management of large exposures / concentration risk)
  • A collaborative team player with excellent communication skills, flexibility and adaptability

Essential Skills and Competencies of the Credit Underwriter:

  • Extensive experience in a relevant small to middle ticket underwriting as well as detailed Block knowledge within Credit / Risk Management
  • The willingness, aptitude and gravitas to be a key member of a growing business
  • Fundamental knowledge of accountancy and financial analysis of SME’s and corporates
  • Strong report writing abilities
  • Understanding of regulatory governance and ensuring compliance with lending and credit policies (including management of large exposures / concentration risk)
  • Significant and recent lending/credit risk management experience with an emphasis on those asset classes covered by the Banks Specialist Business Finance team
  • Diverse knowledge of the financial, business, economic and property markets with strong awareness of the regulatory framework

For more information please contact Penny on 0161 495 3649/ pbowring@crsltd.info

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