Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking a Senior Credit Underwriter to join them in a full-time, permanent role, paying up to £70,000 with a hybrid work model based out of their offices in the East Midlands.

The Senior Credit Underwriter will assess the credit and risk profiles of customers within the Pensions, Professions and Real Estate markets, with key responsibilities including:

• Conducting analysis and recommending sanctions, determining the acceptability of proposals and providing recommendations or alternative solutions where appropriate that satisfy customer needs and meets business objectives.
• Conducting independent assessments of each case and preparing the relevant documents for an informed decision to be made.
• Ensuring the main influencing factors and sanctioning analysis are all accurately recorded when reaching proposal recommendations and decisions.
• Facilitating business development efforts through a proactive approach to credit proposals, ensuring opportunities are maximised.
• Ensuring that facilities have had the correct legal documents issued, that they are executed correctly and that all legal formalities including, where appropriate, the giving of independent legal advice, have been effectively completed.
• Undertaking line management as agreed with the Director of Credit, including supervising the day-to-day activities of assigned team members so that their individual and collective performance meets the required standards, contributing to their development and providing ongoing support as required.
• Communicating relevant information to team members, senior management and other interested parties ensuring essential features of the situation are understood, enabling informed decisions to be taken where appropriate.
• Proactively reviewing credit processes and recommending changes that will deliver enhanced operational efficiency.

Our ideal candidate for the Senior Credit Underwriter opportunity:

• Has significant previous experience as a Credit Underwriter
• Has excellent analytical and problem-solving skills
• Has knowledge of the relevant rules under the Financial Services Acts
• Demonstrates a wide knowledge of the commercial environment and sector specialism including pensions, real estate lending and the SME market, and an understanding of financial management and wider management principles and techniques
• Possesses a good level of financial and commercial awareness
• Has a good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations.
• Is able to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly.
• Is highly organised and demonstrates excellent communication skills, in both writing and speech

If you're interested in the Senior Credit Underwriter position, you have the necessary skills, knowledge and experience and you live in or can commute to the East Midlands, please apply with an updated CV today.