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Loans Underwriter - City, Manchester, United Kingdom, M1

£30k

I am recruiting for a fantastic opportunity for one of my reputable clients based in Altrincham. The role is a Commercial Underwriter looking to progress within a forward thinking business. The organisation is a financial services organisation offering an innovative product that is fairly unique in the UK market.

Responsibilities:

  • To assess the risk, accurately underwrite and mandate short term cash advances to businesses;
  • Assess and evaluate the financial position and credit worthiness of all applications in order to make informed underwriting decisions;
  • Accurately assess the risk of an application ensuring the advance is affordable, reasonable and sustainable with an underwriting rationale applied to each case prior to funding;
  • Minimise the risk to the business and the applicant with a strong focus on fraud avoidance;
  • Interpret and evaluate external credit reference agency data and undertake due diligence.

Ideal Candidate:

  • Demonstrable underwriting experience;
  • Experience of commercial lending;
  • Experience of dealing with the main credit reference agencies;
  • In depth knowledge of assessing company accounts and profit and loss statements;
  • Outstanding communication skills;
  • Good analytical and numerical reasoning skills;
  • Ability to work in a fast paced environment and be able to make real time/accurate decisions;
  • Confident to challenge others.

We are looking for passionate individuals who possess a can do attitude with the desire to go above and beyond what is needed to thrive within a fast paced, dynamic environment. Expect a friendly atmosphere where your input will have a direct impact on the ongoing growth and success of our business.