Underwriter

M2 Professional Recruitment Services Ltd; Lancashire; Hybrid; GBP 45,000 - 65,000; Full time

Benefits offered by this job

Hybrid work

Job summary

M2 Professional Recruitment Services Ltd is sourcing an experienced commercial finance professional for a respected Invoice Finance provider in Lancashire. The role centers on underwriting new and existing proposals, assessing financial statements, credit reports, and risk to shape deal structures.

You will operate in a hybrid environment (1–2 days in the office), apply AML and policy guidelines, and work with sales and operations to balance risk with growth while maintaining audit-ready

Qualifications

• Experience in Invoice Finance/ABL credit and risk assessment.
• Strong analytical skills with attention to detail.
• Excellent written and verbal communication.
• Ability to balance risk appetite with business growth.
• Familiarity with AML procedures and regulatory guidance.

Responsibilities

• Assess and underwrite new invoice finance proposals.
• Assess proposals for existing clients within delegated authority.
• Analyse financial statements, debtor books and credit reports.
• Identify early warning signs and mitigate risks.
• Collaborate with sales and operations to shape deal structures.

Skills

Underwriting

Credit risk

Financial analysis

AML compliance

Stakeholder management

Job description

An opportunity has arisen for an experienced commercial finance professional to join a successful and established Invoice Finance provider in a new credit role.

The role will be hybrid in nature with the requirement to be in the office circa 1-2 days per week.

Main Duties, Responsibilities and Skills:

• Assess and underwrite new invoice finance proposals up to your delegated authority level
• Assess and approve proposals for existing clients up to your delegated authority level
• Analyse financial statements, management accounts, debtor books, and credit reports
• Conduct detailed risk assessments of clientsand their customers(debtors)
• Liaise with the business development team to shape deal structure and mitigate risks
• Make recommendations for deals outside of authorityto higher mandate holders
• Identify early warningsigns in existingclients being reviewed
• Good commercial awareness and knowledge of external market to adapt risk appetite accordingly
• Ensure compliance with internal policies, regulatory guidelines, and AML procedures
• Participate in process improvements where required
• Maintain familiarity with the latest fraud preventiontechniques and systems
• Help shape and refine credit strategy, policy and automation
• Strong analytical skills with a strongattention to detail
• Ability to assess financial information and make judgement on ability of a prospect/client to repay credit facilities
• Excellent verbal and written communication skills
• Ability to work underpressure to tight deadlines
• Ability to balance risk appetite with business growth objectives
• Build and maintaina good work relationship with the sales and ops team alike
• Work within company Credit Policy, ensuring consistent and robust decisions are made. Recommend any changes to policy for future improvements.
• Ensure that appropriate level of information is recorded regarding credit decisions for audit purposes
• Provide support and guidance to colleagues and other businessareas across the group

The successful candidate will be an analytical minded finance professional with a forensic approach to their work. They will be able to display a track record of success in a similar role within Invoice Finance/ABL credit and risk.

You will be rewarded with an excellent basic salary and benefits package.