​​​​​​​​J2730 - Our client is seeking a Credit Underwriter, Middle Ticket, responsible for the expert evaluation and underwriting of all business channels, in line with agreed domestic and central risk policies, individual and domestic discretions. You will also maintain and promote good governance, credit processes and agreed service levels for all business origination, approvals, collateral and management of bad debt. Excellent salary, benefits and bonus. Location: UK, Gtr London / Surrey.

KEY RESPONSIBILITIES:

• Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels from mid-ticket transactions.

• Interpret and evaluate internal and external credit reference agency, broker and market reports.

• Confer, consult and undertake due diligence meetings with both internal and external credit entities.

• Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status and undertake benchmarking to compare liquidity, profitability and credit histories.

• Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit.

• Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all mid-ticket business channel transactions.

• Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities.

• Review current and non-current customer/suppliers/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts.

• Timely completion of all risk reports within agreed service levels.

• Regular updating of internal risk systems. 

PERSON SPECIFICATION:

• A minimum of 2 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds.

• Excellent analytical skills tempered with a sense of commerciality and business focus.

• Good knowledge of the asset finance industry and the various product offerings and types of funding facilities available.

• Ability to competently and confidently analyse unsecured transactions in both the small and mid-ticket sector.

• Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management alike.

• Good experience in credit, credit analysis and underwriting of small and mid-ticket essential with some consumer experience being of benefit.

• Good experience in Risk assessment of structured lending/cash flow lending based transactions 

We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.