Underwriter

An opportunity has arisen for an experienced commercial finance professional to join a successful and established Invoice Finance provider in a new credit role.

The role will be hybrid in nature with the requirement to be in the office circa 1-2 days per week.

Main Duties, Responsibilities and Skills:

• Assess and underwrite new invoice finance proposals up to your delegated authority level

• Assess and approve proposals for existing clients up to your delegated authority level

• Analyse financial statements, management accounts, debtor books, and credit reports

• Conduct detailed risk assessments of clientsand their customers(debtors)

• Liaise with the business development team to shape deal structure and mitigate risks

• Make recommendations for deals outside of authorityto higher mandate holders

• Identify early warningsigns in existingclients being reviewed

• Good commercial awareness and knowledge of external market to adapt risk appetite accordingly

• Ensure compliance with internal policies, regulatory guidelines, and AML procedures

• Participate in process improvements where required

• Maintain familiarity with the latest fraud preventiontechniques and systems

• Help shape and refine credit strategy, policy and automation

• Strong analytical skills with a strongattention to detail

• Ability to assess financial information and make judgement on ability of a prospect/client to repay credit facilities

• Excellent verbal and written communication skills

• Ability to work underpressure to tight deadlines

• Ability to balance risk appetite with business growth objectives

• Build and maintaina good work relationship with the sales and ops team alike

• Work within company Credit Policy, ensuring consistent and robust decisions are made. Recommend any changes to policy for future improvements.

• Ensure that appropriate level of information is recorded regarding credit decisions for audit purposes

• Provide support and guidance to colleagues and other businessareas across the group The successful candidate will be an analytical minded finance professional with a forensic approach to their work. They will be able to display a track record of success in a similar role within Invoice Finance/ABL credit and risk.

You will be rewarded with an excellent basic salary and benefits package.