Credit Underwriter – Asset Finance

We are looking for someone to support the Head of Credit Asset Finance to ensure all credit application detail is as described and that all applications comply with Lending Policy.

You would ensure that all post sanction administration procedures are timely and compliant with Bank’s policies and procedures.

If you have previous experience in asset finance underwriting, then we would love to hear from you!

For this role you will need the following skills and experience:

• Previous experience in underwriting and working knowledge of lending principles, credit analysis for small ticket transactions
• A willingness to take ownership of tasks and to follow those tasks through to completion in a timely and efficient manner
• A sound proven appreciation and working knowledge of lending principles, credit analysis and underwriting methodologies for small ticket transactions
• Knowledge of the asset finance commercial environment and sector specialism including asset finance flow lending and the SME market
• An understanding of the relevant rules under the financial services acts
• An understanding of financial management and the wider management principles and techniques
• The ability to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly
• A good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.

• 10% employer pension contributions
• Bonus Scheme
• 30 days’ holiday plus Bank Holidays
• Sell Holiday scheme
• Hybrid working policy as standard and other flexible working options welcomed
• Private Medical Insurance including optical and dental cover from day one
• Life Cover at 4x salary from day one
• Income Protection cover
• Salary Sacrifice Cycle to Work Scheme
• Salary Sacrifice Electric Car Scheme
• Interest‑free personal loans for various purposes
• Perkbox membership (discounts on shopping, restaurants, cinema, and lots more)
• Enhanced Maternity and Paternity Pay policies
• Various learning and development opportunities available
• Free tea, coffee and milk
• Christmas and summer parties
• A Wellbeing Team, Colleague Forum, Green Environmental Action Team, Charities Committee and numerous opportunities to give back to the community, and more …

Our aim is for our workforce to be truly representative of all sections of society and our customers, and for each employee to feel respected and able to give their best. We are committed to equal treatment of all colleagues and potential colleagues, including those with criminal records.

If you are successful in your application for employment, we will carry out pre‑employment screening including use of the Disclosure and Barring Service (DBS).

Thank you.