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Job Details

Credit Underwriter - Asset Finance

Reading, Berkshire, United Kingdom, Permanent

Posted: 2months ago

Description:

Heard of us?

We\'re an award-winning bank; backing people to fulfil life\'s hopes and dreams.

Now is your chance…

Our Asset Finance division is recognized as an award-winning leader in our industry. We partner with Brokers to help their customers to finance the assets they need to grow. We support the ambition of British SMEs and mid-corporates by enabling them to seek and seize business opportunities.

Our financing solutions include Leasing, Hire Purchase, and Loan facilities which we take to market through over 300 Brokers. Our products provide a flexible way to spread the cost of an asset acquisition over its economic life. In doing so we fund assets of all shapes and sizes, with over 300 different asset type, and today we are very proud to originate over £1bn of new business annually.

The role of Credit Manager is a fantastic opportunity to join this dynamic team based in Reading and forms a critical part of our customers journey. You will work in the Asset Finance Flow underwriting team, assessing new business applications, submitted by brokers from our panel, up to a customer exposure of £100k within a delegated underwriting authority, ensuring adherence to lending policy.

When the time is right, we would love to welcome you to our Reading office. In the meantime you will be based remotely. You\'ll be made to feel part of your new team by your Line Manager, Team Leader - FLOW Credit, and colleagues through regular contact and virtual interaction.

What would your day look like?

· Understand and apply Asset Finance Credit Policy.

· Assess and recommend proposals for Credit within a personal lending mandate of up to £100k.

· Ensure Credit SLAs are adhered to through consistent decisioning of proposals.

· Maintain high quality lending criteria through individual business assurance output.

· Liaise with internal sales and external brokers to structure deals and improve key stakeholder relationships.

· Liaise with Asset Management to confirm suitability of asset being underwritten

Liaise with KYC dept and Financial Crime Departments regarding any related customer issues highlighted during the on-boarding process

What do we expect of you?

Proven expertise in Credit underwriting within the Asset Finance Sector (awareness of the relevant asset classes and lending to a broad sector of SMEs)
Strong understanding of and ability to read a set of accounts
Understanding and interpretation of credit reports such as Experian
Experience in Microsoft Office
SME risk management experience

What can you expect of us?

A friendly and flexible culture, synonymous with our proposition to our customers.
A growing organisation that defines itself as being nimble, lean and strong.
A drive for continuous improvement, which you will be empowered to get behind from day one.
A communicative, accessible and approachable ExCo.And of course, you will be compensated competitively, with a good range of core benefits and bonus potential.

Still Curious?

Aldermore Group was formed by bringing together two very successful businesses, Aldermore Bank and MotoNovo Finance, under the First Rand umbrella. Whilst our parent company operates internationally from their HQ in South Africa, we are a UK-based financial services specialist that supports our customers across a range of products and services.

Underpinned by our strategic blueprint, \"backing people to fulfil life\'s hopes and dreams\", we thrive upon saying \"yes\" to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; and we open up the lending market to many.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose over the course of the next 3 to 5 years.

Join us today and we will make the same promises to you as an employee, as we do to each of our customers. We value your differences; welcoming applications from all sections of society. We continue to build an inclusive, empathetic and creative environment; where your views and contributions will inspire new ways of thinking.

#backingyoutobringyourbest

Aldermore is an equal opportunities employer.

We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR.

Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will be submitted in the event of the individual being offered the position

Job Details

1003886835
Reading, Berkshire, United Kingdom
Permanent