​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​K3266 - New Leaf Search has partnered with is a specialist business to business finance broker and lender in its search for a Credit Manager. You will play a pivotal part in supporting the sales function across both asset finance and loans business, both brokered and own-book. Your primary responsibility will be to review/write-up proposals for external lenders or internally own-book credit team. You will also support the wider Credit function by helping to identify and shape own-book deals whilst in their early stages on the sales floor.

Salary: £50,000 - £60,000 plus excellent bonus and benefits. Location: UK, East Midlands (Northampton) Office Based.

 KEY RESPONSIBILITIES:

• Involvement with lender selection.

• Credit paper / proposal reviews with sign-off for proposals to be sent to lenders.

• Provide staff training and support with quick and efficient sales focused internal-underwriting of deals.

• Identification of own book deals early in a deal cycle, and ensure they are proposed internally.

• Assist staff with drafting appeals to lender decisions.

• Help the CCO manage relationships with the firms key lenders, staying on top of key KPI’s across the sales function to ensure those relationships go from strength to strength.

• Support the Operational and Credit function in designing, implementing and managing processes to continue to grow own-book lending and origination.

• A unique role for an experienced underwriter to take a proactive and collaborative, hands on approach to credit review, risk assessment and dynamic commercial decision making.

• Real time dynamic mentoring and coaching of the sales broker team to increase credit risk awareness and technical understanding.

• Imparting credit risk and underwriting experience to assist sales brokers with deal proposal. 

PERSON SPECIFICATION:

• 5+ years experience of credit underwriting across the SME asset finance market covering both hard and soft assets) with an average deal/ticket size of < £250,000 and/or

  the SME commercial loans market, preferably dealing with shorter-term loans from 3 to 24 months, with an average deal/ticket size of < £100,000.

• Currently or previously in a credit underwriting role.

• Understanding SME/Corporate customer cashflows.

• Comprehensive analysis of company financial statements.

• Thorough understanding of the credit process with a strong knowledge of leasing.

• Commercially astute and business focused. 

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

Applicants will only be considered with relevant in-country experience.