Credit Underwriter

The role of Credit Underwriter

• Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information for cash flow, balance sheet strength and profitability.
• Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite.
• Portfolio Management: Manage and review credit lines that fall within local authority limits, including processing renewals, monitoring customer performance, and authorising additional transactions within mandate.
• Customer Communication: Conduct customer visits to clarify financial queries, understand business needs, and strengthen relationships
• Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide guidance to help dealers and area sales teams improve the quality and structure of proposal submissions.
• Stakeholder Engagement: Build and maintain strong relationships with dealers, Area Sales Managers, and internal stakeholders through regular communication and occasional in-person meetings.
• Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction.
• Team Development: Mentor and coach junior colleagues and internal staff, contributing to their professional growth and capability development.
• Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness.