Details:
- Salary: £40,000 - 42,000 - Annum
- Location: Nottingham
- Date: 2 months ago
Description:
Credit Underwriter
Location: Nottingham/Hybrid
Salary: £40,000 to £42,000 per annum
Vacancy Type: Permanent, Full Time
Benjamin Edwards are recruiting for a Credit Underwriter for a small, dynamic team. As Credit Underwriter, you will independently make decisions on moderately complex credit applications for asset finance proposals, working within the company’s credit guidelines, policies, and procedures. You will support and maintain strong dealer and partner relationships and may assist with coaching and guiding junior colleagues. Occasional customer and dealer visits will be required.
What’s on offer to the Credit Underwriter
Supportive, flexible, and inclusive working environment
Attractive remuneration and bonus scheme
Generous pension scheme
Employee assist benefit
Long service awards
Hybrid/flexible working
Hours of work are Monday - Friday - 37.5 hours per week
Easy access and free parking
Career progression / international exposure through project work
Group Income Protection and Group Life Assurance and Death in Service benefits
25 days annual leave
Long service bonus holiday (+ opportunity to buy and sell holiday)
The role of Credit Underwriter
Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information for cash flow, balance sheet strength and profitability.
Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite.
Portfolio Management: Manage and review credit lines that fall within local authority limits, including processing renewals, monitoring customer performance, and authorising additional transactions within mandate.
Customer Communication: Conduct customer visits to clarify financial queries, understand business needs, and strengthen relationships
Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide guidance to help dealers and area sales teams improve the quality and structure of proposal submissions.
Stakeholder Engagement: Build and maintain strong relationships with dealers, Area Sales Managers, and internal stakeholders through regular communication and occasional in-person meetings.
Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction.
Team Development: Mentor and coach junior colleagues and internal staff, contributing to their professional growth and capability development.
Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness.
The ideal candidate for the role of Credit Underwriter
Degree in a Business/Management discipline or degree in an Accounting/Finance discipline or equivalent experience
Credit underwriting in asset finance preferably in agriculture or construction or other off-highway applications
Good knowledge of financial analysis, accounting principles, and credit risk assessments
Experience working in customer service or related customer-oriented environments
To Apply
If you feel you are a suitable candidate and would like to work for Benjamin Edwards Ltd, please do not hesitate to apply