£30k-£35k.

We are looking to recruit a Junior Credit Underwriter who is focused on building a career in Credit Risk. Our client is a provider of loans and asset finance to SME businesses with both direct and broker routes to market. Direct business is funded either on its own book or placed with third-party funders. Broker-introduced business is funded by their own book. The typical transaction size is c. £50k.

Key Responsibilities:

• Working within a team of credit underwriters.
• Analyse credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
• Assessing, analysing and interpreting other credit-related information.
• Undertaking affordability analysis based on various financial and non-financial information.
• Be open and approachable for appeal of your decisions and have the ability to see a deal when originally you may not have done so.
• Ensuring strong lines of communication with all areas of the business are maintained.

Key Skills:

• Underwriting experience is preferred but not essential.
• The ideal candidate will be organised, meticulous, prepared to take ownership of tasks, able to manage their own time, proactive and able to follow tasks through to completion.
• The ability to work under pressure and to tight time frames is paramount.
• Attention to detail.
• Good time management.
• Effective communication skills.
• Competent IT skills.
• Ability to make decisions on a rate-for-risk basis.
• Numerate with the ability to analyse financial statements and other Credit related information.

Package:

• 28 days holiday (this includes 3 days at Christmas when the office closes) plus bank holidays. Holiday amounts increase with the length of service.
• Employer pension 4%, employee pension 5%.
• Healthcare, cash plan and travel insurance.
• Life assurance.
• Retail discounts.

In addition to an excellent basic salary, our client offers an excellent career development

Contact: Julie for more information on 01279 713900.