Flow Team Leader, South West London
Ref: 1359
Basic to £70,000 plus 15% Bonus & Excellent Additional Benefits
A global leasing banking group. This is a hands-on role, responsible for the expert evaluation and underwriting of all business channels, while maintaining good governance, credit processes and service levels for business origination, approvals, collateral and restructuring. The team leader will have day to day supervision of the team, ensuring that applications are shared between each individual, recognising the prioritisation of deals. Identify training and/or development requirements and monitor progression through regular one-to-one sessions with your underwriting team. The ideal candidate will have a minimum of 3-5 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds. Approving flow deals up to £500k. Needs a strong desire and confidence to manage and develop the team, with support from their Head of Flow. Looking for proven leadership capabilities, alongside excellent analytical skills, tempered with a sense of commerciality and business focus. Offering good hybrid working options.
Risk Manager - Middle Ticket, Greater London
Ref: 1358
Basic to £75,000, 15% Bonus & Excellent Benefits
European Bank, requires a credit analyst with at least 3-5 years’ experience, to underwrite middle-ticket deals, focusing on proposals £500k+ (average £1-2M). Mix of programmes, dealership/reseller business and broker introduced. Hi-Tech through to Transport, Construction and Industry. 60% IT (some Medical/Renewables/Green), 40% Hard Assets. Managing around 5 deals a day. Joining an existing team of 7 experienced Risk Non-Flow Managers. Top analyse credit data and financial statements to determine the degree of risk involved in extending credit for middle-ticket transactions. Interpret internal and external credit reference agency, broker and market reports. Generate financial ratios, using internal credit tools, to evaluate financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit history of customers within a similar or the same industry and geographic locations. Use collateral curve analysis in line with market, sector, and portfolio considerations. Review current exposures as well as non-current customer/supplier/ third party introductory sources. Reports to their Head of Credit. Offices in Greater London, but offering good hybrid working options.
Risk Manager - Flow (to £500k), Greater London
Ref: 1355
Basic to £55,000, plus good bonus, excellent benefits
Our client, major Bank, requires an experienced credit analyst to underwrite deals across various sectors/assets. The ideal candidate will have a minimum of 2 years of credit experience. Analyse credit data and financial statements to determine the degree of risk involved in extending credit in mainly sales-aid leasing/flow business generally to £500k. Interpret internal and external credit reference agency, broker and market reports. Generate financial ratios, using internal credit tools, to evaluate financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit history of customers within a similar industry and geographic locations. Prepare domestic and external risk reports. Review existing transactions periodically and regularly update their internal systems for risk monitoring. Make recommendations for the ongoing development of processes and practices. Provide guidance and instructions to front office for efficient and productive risk identification, analysis, assessment and presentation. Reports to their Risk Team Leader. Offering good hybrid working.
Senior Credit Underwriter, Hampshire
Ref: 1354
Basic £60-70,000, with bonus & excellent benefits
Well established Bank, seeking an experienced underwriter to handle new credit proposals and recommend new credit proposals outside of personal mandate. Preparation of credit papers for submission to Senior Credit Managers and Credit Risk. Ensure credit analysis of each proposal is appropriate for the level of any advance and provide guidance to the credit team and the wider SME business on credit policy and appetite. Deputise for Senior Credit Managers when required. Build effective relationships within SME Lending, the Bank and attend customer visits. Encourage an open culture with regular two-way communication with the team, as well as Sales, Asset Management and Collections/Recoveries. You will have strong commercial lending experience in both unsecured and secured lending and be able to demonstrate an understanding of funding a wide range of assets and lending structures. An ability to work in a direct and broker origination model. Requires advanced written and presentation skills in order to produce credit papers. Good hybrid working available.
Credit Underwriter, Hampshire
Ref: 1353
Basic £50-60,000, with bonus & excellent benefits
Well established Bank, with ongoing growth plans, looking to increase their credit risk team with this new underwriting opportunity. Mainly broker-introduced business, but also managing a mix of direct and vendor proposals. A focus on hard-assets, though some exposure to hi-tech/soft assets. Average deals £125k, generally up to £250k. Underwrite new credit proposals within your personal mandate, delivering timely credit decisions within policy. Recommend deals outside of your personal mandate for submission to Senior Underwriters and Senior Credit Managers. Ensure annual reviews are completed accurately and on time, and help monitor the quality of their portfolio. Important to be able to build close relationships and communicate effectively with brokers and customers, both verbally and face-to-face. Will involve attending customer visits as and when required. Maintain good communications with other areas of the business, including Sales, Asset Management and Collections/Recoveries. Offering good hybrid working.
Credit Underwriter, Thames Valley
Ref: 1343
Basic £55,000, Bonus 10% & Excellent Additional Benefits
Well established specialist lending bank, strongly positioned in the broker-introduced business marketplace. They offer many USP’s in this competitive arena. They have solid growth plans, and now have a newly created underwriting position to support their growing business volumes. You would be working alongside a small experienced credit team to support the Head of Credit Asset Finance. Requires at least 3 years experience in a similar underwriting position, with good exposure to flow lending and the SME market. Knowledge of lending principles, credit analysis and underwriting methodologies for small ticket transactions. Managing and approving deals up to around £150k, but will also manage some larger applications, to say £500k. Main focus on business critical assets ie commercial vehicles, coaches, haulage, materials handling, machinery, and also including a fair proportion of high-end/classic car finance (Ferraris/ Porches etc). Building close relationships with brokers and customers. Ensuring the quality of new business proposals and their portfolio, with full compliance of lending policies, and delivering timely credit decisions. Applicants likely to be living around Hampshire/Berkshire, though good hybrid working is available.
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