Fintellect Recruitment
Senior Asset Finance Underwriter
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About Our Client
Our client is a fast-growing challenger bank with an ambitious vision and a clear strategy for continued growth. Combining financial services, technology and an entrepreneurial approach, the bank is building a modern lending business focused on delivering innovative, bespoke financial solutions to its customers.
With a strong appetite for growth and a culture that encourages fresh thinking, commercial decision-making and collaboration, this is an exciting time to join the business. The bank has established a strong platform from which to continue its expansion and offers the opportunity to make a genuine impact within a growing organisation.
The Role
Our client is seeking an experienced Credit Manager – Asset Finance to assess and approve asset finance proposals within delegated lending authority.
The role will have responsibility for affordability analysis, credit profiling and security evaluation, ensuring lending decisions align with the bank's risk appetite, regulatory obligations and commercial objectives.
This is a key credit role offering significant responsibility and autonomy, with the opportunity to exercise personal lending authority, apply strong commercial judgement and contribute to the ongoing development of the bank's lending and risk framework.
Key Responsibilities
- Assess and approve asset finance proposals within delegated lending authority, identifying, evaluating and mitigating credit risks.
- Analyse financial statements, management information, cash flow forecasts and other relevant credit data to support sound lending decisions.
- Prepare clear, concise and well-reasoned credit submissions and recommendations, escalating proposals requiring higher levels of authority.
- Prepare papers and recommendations for Credit Committee consideration where appropriate.
- Conduct periodic portfolio reviews, assessing customer performance, repayment behaviour, credit quality, security values, industry trends and external intelligence.
- Recommend appropriate changes to credit ratings, limits or facilities where required.
- Ensure all transactions presented for pay-out comply with approved credit sanctions and facility terms, with all conditions precedent satisfied and security correctly perfected and recorded.
- Maintain high underwriting standards and ensure compliance with relevant regulatory and legal requirements, including Consumer Duty, AML, financial crime prevention and data protection.
- Work closely with Relationship Managers, Sales, Operations, distributors, brokers and other stakeholders to deliver efficient lending outcomes and a positive customer experience.
- Contribute to the implementation of Board and Committee decisions, credit policy and wider business initiatives.
- Maintain strong technical, regulatory and market knowledge and contribute to the development of credit risk controls and processes.
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What Our Client is Looking For
- Minimum 5 years' experience in Credit Risk or Lending, including analysis and interpretation of financial statements, management information and cash flow forecasts.
- Proven experience operating within a delegated lending authority framework, with personal lending mandate.
- Strong understanding of credit risk principles, risk appetite, credit underwriting, portfolio management and wider risk management frameworks.
- Strong analytical and commercial judgement, with the ability to identify and clearly articulate key risks and appropriate mitigants.
- Knowledge of banking, asset finance products, security structures and collateral management.
- Experience managing high-volume workflows and competing priorities while delivering against demanding SLA targets.
- Good understanding of banking regulation, Conduct Risk, Consumer Duty and fair customer outcomes.
- Excellent written and verbal communication skills, including the ability to present credit recommendations to senior stakeholders and committees.
- Strong influencing and stakeholder management skills.
- Proficiency in lending systems, credit reference agency tools and Microsoft Office, particularly Excel and Word.
- Highly organised, self-motivated and able to work independently while maintaining high professional standards.
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Desirable
- Previous team leadership, supervisory, coaching or mentoring experience within Credit Risk or Lending.
- Experience preparing and presenting credit submissions to senior credit committees or executive stakeholders.
- Professional banking, credit, risk or finance qualification such as LIBF, ICA, ACCA, CIMA, CFA or equivalent.
- Experience contributing to credit policy development, process improvement or wider risk management initiatives.
- Demonstrable experience leading change, improving operational efficiency or enhancing credit risk controls.
Why Join?
This is an exciting opportunity to join a high-growth challenger bank at an important stage of its development.
The successful candidate will have the opportunity to work in an entrepreneurial environment where ideas are encouraged, decisions can be made quickly and individuals are trusted to take ownership. You'll have genuine autonomy within your lending mandate, exposure to senior stakeholders and the opportunity to help shape the continued development of the bank's credit and lending framework.
For someone looking to move away from a traditional, heavily bureaucratic banking environment and join a business with ambition, appetite and a genuine entrepreneurial mindset, this is a particularly interesting opportunity.
In return, our client offers a very competitive salary and excellent benefits package, including bonus, private medical healthcare, life insurance, 25 days' holiday plus bank holidays, enhanced family leave, Employee Assistance Programme and a weekly free
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