robinson toms recruitmentsalary up to £60,000 + bonus and excellent benefits.

Our client a fast growing highly respected asset financier for whom we have successfully recruited a number of staff are seeking a Flow Underwriter to join its team that has a focus on broker introduced business and typical advances of up to £500,000 in size.

This role has the opportunity and autonomy to help build and shape a market leading Asset Finance underwriting function. The scope is to work as a senior member of the flow underwriting team and supporting specialist product / sector lines.

This position will have responsibility for the end-to-end underwriting process, with the ability to structure deals and discuss decisions with introducers, primarily in the broker market. The breadth of the role also entails portfolio monitoring, assisting with high risk customers and preparing management information / reports for senior management.

Given the growth and development of the business, the role offers significant scope for involvement in a range of projects, as part of the group’s continuous improvement of policies, processes, reporting, etc.

Key responsibilities :

  • Timely and accurate underwriting decisions within a delegated authority and recommendations to senior management where outside of personal mandate
  • Prepare comprehensive financial analysis identifying all material financial and other risks and opportunities in order to arrive at a balanced and informed decision or recommendation
  • Undertakes all appropriate diligence in respect of transactions, including reference to relevant bureaus, referencing agencies & other external sources ensuring alignment to the Bank’s risk policies
  • Maintains active watch over portfolio performance & awareness of market trends
  • Able to liaise with key customers

Candidate Profile

The position is a hybrid located one where 50% of your time you will be home based and 50% office based in central London. Typically this means one week you will be office based for 3 days and the following week office based for 2 days.

Please apply only if you are able to meet the above requirements and are able to work from central London 2 / 3 days a week , please do not apply if the above is not sustainable for you as the position irrespective of skill set of applicant will not change to home working or predominantly home working.

To be a credible applicant you must have / be able to demonstrate:

  • Extensive experience in underwriting asset finance proposals with detailed knowledge of various asset types
  • Fundamental knowledge of accountancy and financial analysis of SME’s and corporates
  • Demonstrable ability to understand value across a range of hard and soft assets
  • Ability to work independently in taking a pragmatic approach to underwrite within parameters of credit policy; appreciation of when escalation / guidance is required.
  • The willingness, aptitude and gravitas to be a key member of a growing business
  • From a credit perspective, lending experience of SME and corporate clients
  • Understanding of regulatory governance and ensuring compliance with lending and credit policies (including management of large exposures / concentration risk)

Preferred applicants will also have:

  • Knowledge of developing polices and processes to support new business lines
  • Experience of specialist business and higher value transactions
  • Ability to keep abreast of market trends and provide effective and relevant commentary

Contact: Please send your CV firstly to Sean Toms at: and then call me on + 44 ( 0 ) 1691 670466 for a confidential discussion.