Kind Consultancy is working with a succesful alternative Financial Services business which is currently seeking a Credit Underwriter to join them in a full time role paying up to £60,000 with a hybrid work model requiring 1 day per week in their West Midlands offices.

The Credit Underwriter will assess and analyse lending and settlement applications, authorising applications in accordance with discretionary lending authorities and within the organisation’s Risk Management framework and Risk Appetite statements, with key responsibilities including:

• Assessing, authorising and monitoring lending within delegated discretion, as outlined in the Commercial Credit Risk Policy and procedures.
• Assessing and monitoring lending propositions outside own lending discretion, presenting recommendations to the Head of Credit Risk and Board Risk Committee.
• Managing the organisation’s problem debt connections within procedures  in order to protect outstanding loans, agreeing work-out strategies with the Head of Credit Risk as appropriate, to minimise the risk of loss.
• Supporting other colleagues in Credit Risk, ensuring that all colleagues are fully trained, performing to role requirements and are aware of all regulatory and compliance controls.
• Contributing to an environment of continual improvement and encourage recommendations for change.
• Ensuring that credit risk activities are conducted in accordance with policies and procedures, and that all regulatory requirements are met.
• Monitoring all lending and risk assets and delivering agreed management information including risk assessment reporting to the Audit and Board Risk Committee.

Our ideal candidate for the Credit Underwriter opportunity:

• Is ACIB qualified with knowledge of Commercial and Corporate banking.
• Has a good track record in credit financial analysis & decision making across all asset classes in commercial or corporate lending.
• Demonstrates sound credit judgement gained through experience of holding substantial discretionary lending authorities in excess of £1million
• Is able to make robust and difficult lending decisions including knowing when to decline lending proposals.
• Has very strong operational knowledge of bank processes and Financial Services regulations
• Is familiar with banking technology, payment systems and processes, telephony etc
• Has good knowledge of risk management policies and procedures
• Has Relationship Management experience, preferably with exposure to problem debt
• Has previously worked with treasury instruments/products
• Is highly numerate, with well developed problem solving and analytical skills

If you have the necessary skills, knowledge and experience, are based in or can commute to the West Midlands, and are interested in the Credit Underwriter opportunity, please apply with an updated CV today.