Underwriter / Trainee Underwriter

Liberty Finance is an independent asset finance company offering asset and vehicle finance to UK based businesses, high net worth individuals and regulated consumer hire and credit agreements.

There is an exciting opportunity for an Underwriter / Trainee Underwriter to join Liberty's credit team and to develop or further their career in asset finance underwriting. This is a full time role, working Monday to Friday 0900 to 1730.

Job summary

Analysing financial information, assessing credit risk and supporting the business in making balanced, commercially sound lending decisions whilst ensuring compliance with responsible lending and regulatory requirements.

Key responsibilities

• Reviewing and assessing new credit applications on a daily basis.
• Assisting the internal sales team in structuring proposals and preparing transactions for underwriting.
• Analysing financial information, including statutory and management accounts.
• Assessing customer information, security valuations and director guarantees.
• Identifying and challenging risks within credit proposals and ensuring risks to the business are appropriately managed.
• Developing an understanding of responsible lending requirements, including CONC 5, creditworthiness assessments and Consumer Duty.
• Working closely with the sales team and providing feedback on lending appetite.
• Supporting experienced underwriters with more complex transactions and developing sound credit judgement.

Competencies

• Positive and supportive attitude.
• Excellent accuracy and attention to detail.
• Ability to multi-task and work within time constraints and to strict deadlines.
• Ability to work well within a team and independently.
• Good computer literacy skills especially Microsoft Word, Excel and Outlook.
• Excellent communication skills.

Job Type: Full-time

Pay: From £27,500.00 per year

Benefits:

• Company pension
• Free parking
• On-site parking
• Private medical insurance

Work Location: In person