Credit Underwriter

Position: Credit Underwriter (Permanent)
Credit Underwriter

Location:

Nottingham/Hybrid

Salary: £34k-£42k & bonus

Benjamin Edwards are recruiting for a Credit Underwriter for an established business which is easily commutable from Newark, Grantham or Nottingham. As Credit Underwriter, you will be part of a small, dynamic team. You will independently make decisions on moderately complex, high-limit credit applications for asset finance proposals, following the credit guidelines, policies, and procedures established by the company. You will be responsible for providing a high level of support and maintenance of partner relationships and may also provide work directions or assist with training, coaching, and mentoring of others.

The role will involve occasional customer visits.

What’s on offer to the Credit Underwriter

Supportive, flexible, and inclusive working environment
Attractive remuneration and bonus scheme
Generous pension scheme
Canteen
Enhanced pension
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:
Review and authorise additional transactions within existing credit limits to support portfolio performance and manage risk effectively
Customer Communication:
Conduct visits to manage large credit lines, clarify financial queries, understand customer replacement strategies, and strengthen relationships
Company Support:
Promote asset finance products, systems, and marketing initiatives to stakeholders. Provide coaching and guidance to enhance product uptake and understanding.
Stakeholder Engagement:
Foster strong relationships with key stakeholders through regular video calls and occasional in-person meetings to drive collaboration and shared objectives
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 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 or an Accounting/Finance discipline or equivalent experience
Credit underwriting in asset finance or corporate credit underwriting within a banking environment
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 workfor Benjamin Edwards, please do not hesitate to apply