Credit Underwriter - Asset Finance

Cambridge & Counties Bank; Reading, Leicester; Hybrid; GBP 45.000 - 60.000; Vollzeit

Benefits dieser Stelle

Hybrid working policy

Private Medical Insurance (including 0

Life Cover 4x salary

Pension contributions

Holiday 30 days + BH

Cycle to Work

Electric Car Scheme

Wellbeing Team

Dress down or casual days

Zusammenfassung

Cambridge & Counties Bank is seeking an asset finance underwriting specialist to support the Head of Credit Asset Finance. You will review credit applications to ensure compliance with Lending Policy and oversee post-sanction administration to meet policy standards. Experience in asset finance underwriting is highly valued.

The role offers hybrid working between Reading and Leicester sites with a salary in the £45,000–£60,000pa range and a comprehensive benefits package.

Qualifikationen

• Experience in underwriting and lending principles for small ticket transactions.
• Ability to own tasks and see them through to completion.
• Understanding of compliance and customer fairness in credit operations.

Aufgaben

• Ensure credit application details align with Lending Policy.
• Ensure post sanction administration is timely and compliant with policies.

Kenntnisse

Asset finance underwriting

Credit analysis

Lending principles

Small ticket underwriting

Conduct risk awareness

Jobbeschreibung

Location: Reading or Leicester with hybrid working Salary: £45,000-£60,000pa

We are looking for someone to support the Head of Credit Asset Finance to ensure all credit application detail is as described and that all applications comply with Lending Policy.

You would ensure that all post sanction administration procedures are timely and compliant with Bank's policies and procedures.

If you have previous experience in asset finance underwriting, then we would love to hear from you!

About you

For this role you will need the following skills and experience:

• Previous experience in underwriting and working knowledge of lending principles, credit analysis for small ticket transactions
• A willingness to take ownership of tasks and to follow those tasks through to completion in a timely and efficient manner
• A sound proven appreciation and working knowledge of lending principles, credit analysis and underwriting methodologies for small ticket transactions
• Knowledge of the asset finance commercial environment and sector specialism including asset finance flow lending and the SME market
• An understanding of the relevant rules under the financial services acts
• An understanding of financial management and the wider management principles and techniques
• The ability to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly
• A good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.

What we offer

• 10% employer pension contributions
• Bonus Scheme
• 30 days' holiday plus Bank Holidays
• Sell Holiday scheme
• Hybrid working policy as standard and other flexible working options welcomed
• Private Medical Insurance including optical and dental cover from day one
• Life Cover at 4x salary from day one
• Income Protection cover
• Salary Sacrifice Cycle to Work Scheme
• Salary Sacrifice Electric Car Scheme
• Interest-free personal loans for various purposes
• Perkbox membership (discounts on shopping, restaurants, cinema, and lots more)
• Enhanced Maternity and Paternity Pay policies
• Various learning and development opportunities available
• Free tea, coffee and milk
• Christmas and summer parties
• A Wellbeing Team, Colleague Forum, Green Environmental Action Team, Charities Committee and numerous opportunities to give back to the community, and more ...

Diversity and Inclusion

Our aim is for our workforce to be truly representative of all sections of society and our customers, and for each employee to feel respected and able to give their best. We are committed to equal treatment of all colleagues and potential colleagues, including those with criminal records.

If you are successful in your application for employment, we will carry out pre-employment screening including use of the Disclosure and Barring Service (DBS).

Thank you.