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Underwriter Asset Finance

Curve Group Holdings Ltd

Newport

Permanent

NP204AQ

Posted: 04/08/2022

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Propel Finance was established in 1996 to provide flexible and accessible finance to SMEs across the country. Now, more than 26 years on, Propel has grown to become one of the UK's largest independent finance houses, helping more than 45,000 businesses to access finance to purchase business-critical equipment and vehicles quickly and easily.

We are an award-winning and progressive business, and with one eye on the future, no two days will be the same, no matter what your role. Customers are at the heart of everything we do, and it is the way that we do business, and the technology we deploy to support customers which keeps them coming back to us

Role Summary

To underwrite structured asset finance deals, you will be evaluating, analysing and approving credit proposals and revisions. You will be responsible for maintaining the portfolio through a consistent level of credit risk assessment and ensure adherence to all policies and procedures.

Key responsibilities

* Assess customer applications and make responsible lending decisions based on credit reports and additional information provided by the customer

* Verifying information on client's applications and evaluating fraud risks

* Make independent credit decisions within your own delegated authority whilst working closely with our internal team and external stakeholders

* Making recommendations on client's applications outside personal authority

* Underwrite cases within an agreed mandate considering customers risk

* Ensure all required documents are received and checked before processing

* Manage sanctioned proposals to pay out alongside other internal departments

* Preparation of credit papers and report

* Directly supporting the business by enhancing the quality of credit applications as well as making recommendations to ensure commercial opportunities are maximised

* Maintain close relationships with Relationship Managers, Internal Account Managers and other internal and external stakeholders

Skills required

Hold a current mandate of £150,000 or above
Experience in Asset Finance
A solid understanding of financial ratios, credit reporting data, and experience in analysing financial statements
Application Scoring
Experience underwriting a variety of high value "hard asset" finance applications
Risk awareness
Regulatory standards awareness
Influencing skills (negotiation, persuasion, leadership)
Stakeholder Management

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