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Credit Underwriter
Kate+Co
- Wolverhampton, England, United Kingdom
- Wolverhampton, England, United Kingdom
About
- Lead and manage the team of sanctioners, ensuring consistent, robust and appropriate credit decisions.
- Act as first-line approval for progressing new loan appraisals and due diligence submitted by BDMs.
- Ensure strict adherence to credit policies, funding rules and guarantee scheme requirements.
- Review, update and enhance credit policies, procedures and loan appraisal processes.
- Keep abreast of macro-economic, political and sector-specific risks, adapting credit policy and training accordingly.
- Organise sanctioner availability to ensure SLAs for sanction and release are consistently met.
- Provide coaching, training and development to the BDM team on loan appraisals and credit quality.
- Support the Head of Business Development with the induction and training of new BDMs.
- Provide ongoing training and support to sanctioners to drive consistency and quality.
- Work closely with Portfolio Managers to review problem loans, identify learnings, and implement improvements to credit policy and processes.
- Ensure loan paperwork is prepared accurately, efficiently and within required SLAs.
- Oversee the end-to-end process from sanction through to loan release alongside the Head of Business Development.
- Ensure loans are released efficiently and in line with service standards.
- At the end of each week, document expectations for sanction and release for the following week.
- Proven experience in credit underwriting within a lending or financial services environment
- Strong people leadership experience, including managing and developing teams
- Excellent understanding of credit risk, loan appraisal and policy governance
- Experience working closely with business development and portfolio management teams
- Commercially astute with the ability to balance risk and growth
- Highly organised with a strong focus on SLAs, process improvement and quality
- Confident communicator, able to influence at leadership level
- Excellent company benefits including - company pension scheme, 28 days annual leave, Healthcare cash plan, car allowance and discretionary bonus
- Senior, influential role with genuine ownership of credit strategy
- Opportunity to shape and evolve credit policy and processes
- Collaborative leadership team and growing organisation
- Clear visibility and impact at board/leadership level
Languages
- English
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