Commercial Relationship & Credit Underwriter

Fleximize; Ipswich; Hybrid; GBP 35,000 - 50,000; Full time

Benefits offered by this job

Private medical insurance

Employee benefit scheme

25 days holiday entitlement

Team socials

Job summary

Fleximize in Ipswich is seeking an experienced underwriter to join the Relationship Management team. You will underwrite and assess the risk of commercial loan applications and prepare summaries and recommendations for lending decisions.

You will review financial accounts, bank statements, and credit reports, complete underwriting assessments, and present findings to the Credit Committee. You will also generate funding offers, perform AML/KYC checks, and keep deadlines while liaising with

Qualifications

• Professional and confident with some experience in a previous underwriting role.
• Self-motivated, ambitious and forward-thinking, with the ability to work in cross-functional teams and remain flexible.
• Able to work under pressure in a fast-paced environment.
• An excellent communicator (both written and oral) with the ability to express opinions and points of view in a clear, concise manner.
• Good time management is essential.
• Strong analytical, administrative and organisation skills and great attention to detail.
• Ability to work alone and in a team.

Responsibilities

• Reviewing applications from businesses that have applied for funding.
• Checking and assessing all supporting documentation from the applicant, including understanding financial accounts, bank statements, and credit reports.
• Completing a full underwriting assessment of each application using the information provided, complete with a summary and recommendation on whether or not the company should lend.
• Present application summaries to the Credit Committee and senior management where necessary.
• Sign off any loan conditions, present more complex conditions to Credit Audit to Credit Committee.
• Carefully and accurately generate funding offers and loan agreements.
• Complete Anti-Money Laundering checks and Know Your Customer assessments.
• Maintain strict deadlines for completion of tasks, stipulated by the Company.
• Liaise with other departments, introducers, and other available sources to gather further supporting information.
• Contact clients by telephone and e-mail to discuss their requirements and work with them to find the best funding solution.
• Guide the client through the application and drawdown process, achieving a positive customer experience.
• Ensure customer applications are dealt with promptly, fairly, and in accordance with company compliance procedures.
• Keep up to date on changes in company policies and compliance procedures.
• Execute any reasonable request from management.

Job description

Fleximize in Ipswich is seeking an experienced underwriter to join the Relationship Management team. You will underwrite and assess the risk of commercial loan applications and prepare summaries and recommendations for lending decisions.

You will review financial accounts, bank statements, and credit reports, complete underwriting assessments, and present findings to the Credit Committee. You will also generate funding offers, perform AML/KYC checks, and keep deadlines while liaising with