Underwriter, Finance & Banking

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 clients and their customers(debtors)
• Liaise with the business development team to shape deal structure and mitigate risks
• Make recommendations for deals outside of authority to higher mandate holders
• Identify early warning signs in existing clients 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 prevention techniques and systems
• Help shape and refine credit strategy, policy and automation
• Strong analytical skills with a strong attention 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 under pressure 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 business areas 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.