Our client is seeking a Flow Underwriting Team Leader for the expert evaluation and underwriting of all business channels, in line with policy. You will be responsible for maintaining and promoting good governance, credit processes and agreed service levels for all business origination, approvals, collateral, and restructuring. The team leader responsibilities will include the day to day supervision of the team, ensuring that work queues are being effectively split between each individual, with deals being prioritised taking into consideration the introducer and the current point in the business cycle. It will include the identification of training and/or development requirements and the monitoring of progress through regular one-to-one sessions with specific members of the team.
Analyse credit data and financial statements to determine the risk involved in extending credit. in flow business channel.
Interpret and evaluate internal and external credit reference agency, broker and market reports to determine the degree of risk involved in extending credit.
Generate and evaluate financial ratios, using internal credit tools, to evaluate customers' financial status and undertake benchmarking to compare liquidity, profitability and credit histories with those customers within a similar industry and geographic location.
Interpret and evaluate collateral curve analysis, in line with market, sector, and portfolio considerations to determine the risk involved in extending credit.
Prepare domestic and external risk reports.
Exercise a personal sanctioning authority with diligence and care and preparing recommendations for those transactions outside of the personal sanctioning authority.
Maintain compliance with all leading industry guidelines and statutory regulations including consumer credit, treating customers fairly, anti-money laundering and data protection
Timely completion of all risk reports within agreed service levels.
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.
Attend business screening meetings with front office providing provisional risk comments on potential transactions.
Support the development of Risk managers through the identification of training requirements, to coach, monitor, nurture and enhance their abilities and skills
The ideal candidate will have a minimum of 3-5 years of credit experience, ideally with time spent analysing and interpreting financial statements/data from a variety of industries and commercial backgrounds.
Strong desire and confidence to manage and develop direct reports.
Ability to motivate, coach, hold regular 1:1 meetings, highlight performance management and absence issues.
Strong team player; very approachable, patient and flexible in their approach.
Ability to communicate clearly, concisely and efficiently both verbally and in writing to peers and senior management.
Excellent analytical skills and commercial 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 ticket sector.
Good experience in credit, credit analysis and underwriting of small ticket essential with some consumer experience being of benefit.
Good experience in Risk assessment of unsecured and structured lending transactions.