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New Leaf Search Job Reference:: CCV/J2298
Job Title:: J2298 - Credit Underwriter, Middle Ticket - UK, SW London - Asset Finance
Location:: London
Salary:: 45,000 - 50,000 plus excellent bonus and benefits
Salary: £45,000 - £50,000 plus excellent bonus and benefits
Location: UK, SW London
Bonuses: Excellent
Benefits: Excellent
Job Function:  Credit Risk & Collections
Vacancy Type:  Permanent
Asset Type / Sector: All Assets / Sector
Job Description : J2298 - Our client is seeking a Credit Underwriter, Middle Ticket responsible for the expert evaluation and underwriting of all business channels, in line with agreed domestic and central risk policies, individual and domestic discretions. You will also maintain and promote good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and management of bad debt where and when necessary. Salary: £45,000 - £50,000 plus excellent bonus and benefits. Location: UK, SW London.


Analyse credit data and financial statements to determine the degree of risk involved in extending credit in all business channels from mid-ticket transactions.
Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit.
Confer, consult and undertake due diligence meetings with both internal and external credit associations and other business/customer representatives to clarify credit/collections information as and where necessary.
Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status and where necessary undertake benchmarking to compare liquidity, profitability and credit histories of customers being evaluated with those customers within a similar or the same industry and geographic locations.
Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the degree of risk involved in extending credit.
Prepare domestic and external risk reports that include the degree of risk involved in extending credit for all mid-ticket business channel transactions with clear, concise and rational recommendations for the credit decision.
Review existing transactions periodically to include the evaluation of payment history, purchase activity, collateral curve analysis, market/broker intelligence and prepare recommendations for the renewal of internal credit ratings/facilities.
Review current and non-current customer/suppliers/third party introductory sources, in conjunction with Collections, to identify and limit the extent of delinquent accounts.
Timely completion of all risk reports within agreed service levels and the ongoing monitoring and annual review of vendor programmes under assigned portfolios/business channels.
Regular updating of internal risk systems, including risk monitoring systems, to ensure that data integrity for the counterparties within the portfolio is accurately maintained.
Ensure that all transactions presented to risk for pay-out meet the appropriate credit sanction and credit limit issued and that all documentation in respect of specific risk caveats has been provided and properly executed.


A minimum of 2 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds.
Excellent analytical skills tempered with a sense of commerciality and business focus.
Good knowledge of the asset finance industry and the various product offerings and types of funding facilities available.
Ability to competently and confidently analyse unsecured transactions in both the small and mid-ticket sector
Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management alike
Good experience in credit, credit analysis and underwriting of small and mid-ticket essential with some consumer experience being of benefit
Good experience in Risk assessment of structured lending/cash flow lending based transactions

We strongly favour applicants with proven relevant experience in Financial Services; particularly in Asset Finance and Leasing.

Contact:: Jane Theobald
Phone:: +44 (0) 203 740 7222