SKILLS AND EXPERIENCE SOUGHT:

• Good working knowledge and understanding of Asset Finance
• Strong financial analysist, credit assessment and underwriting skills for Hire Purchase and Finance Lease agreements
• Ability to work with figures and translate information into reports
• A good working knowledge of CRM and data systems, Word, Excel and Outlook
• An experienced individual within Asset Finance, used to being part of a team, who is also self-motivated and has a strong work ethic
• Ability to communicate accurately, both verbally and in writing
• A keen eye for detail and the ability to manipulate information databases
• Highly organised with excellent time management skills, with the ability to work under pressure to tight timescales whilst paying attention to detail

ROLE PURPOSE:

Supporting Senior Underwriter (Asset Finance) in analysing and structuring credit proposals, working within delegated mandate or recommending for approval, and maintaining regular contact with broker base to discuss/negotiate potential transactions.

RESPONSIBILITIES:

• New Business
• Analyse, negotiate and structure proposals to be approved under own mandate or recommended to credit for approval for both Asset Finance.
• Spreading of financial accounts and applying/developing Bank’s internal rating models
• Manage sanctioned proposals to drawdown with the help of Credit and Administration Staff.
• Research industry sectors and specific collateral to support credit application process.
• Support Senior Underwriter in preparation of credit papers and reports
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• Brokers/Intermediaries

• Maintain daily contact with Bank’s broker base and arrange internal/external meetings where necessary.
• Encourage flow of renewal business where appropriate.
• Maintain efficient and professional service, and good customer/banker Relationships.
• Assist where applicable in conducting broker reviews/approvals
• Security Perfection & Maintenance
• Close liaison with any professional advisers.
• Monitoring adherence to loan offer terms.
• Ensuring that any security valuations or inspection reports comply with the bank’s procedures and following up promptly any matters which do not meet the required standards.
• General liaison with brokers/customers to resolve any issues outstanding and requiring attention.
• General Matters
• Manage collection activities as required
• Assist with development and maintenance of the Asset Finance Lending Procedures
• Ensure compliance with FSA and internal policies and procedures
• Assist Senior Underwriter & Senior Manager to develop and enhance business within agreed credit policy