Reporting into- Asset Finance, Managing Director
Role OverviewThe primary responsibilities of the successful candidate are to:
* Lead the underwriting and structuring of large and complex transactions.
* Site visits and meetings where required, escalating recommendations to the MD where appropriate.
* Work with the Head of Flow Underwriting to develop the knowledge and capability of the underwriting team.
* Partner with the Invoice Finance teams to design and deliver multi-product solutions that strengthen client relationships and optimise returns.
* Exercise delegated credit authority to deliver timely, high-quality decisions within agreed SLAs, ensuring consistency and robustness.
* Champion continuous improvement of credit processes, proactively identifying opportunities for greater efficiency, consistency, and control.
* Build strong relationships with brokers, introducers, and clients to facilitate effective decision-making and reinforce our reputation in the market.
* Interpret and apply the companys Credit Policy with sound commercial judgement, recommending enhancements to maintain market relevance.
* Maintain deep knowledge of the external market, economic trends, and competitor activity to inform risk appetite and decision-making.
* Oversee the ongoing monitoring of in-life credit risk across the largest exposures, ensuring early identification and mitigation of potential issues.
* Deliver insightful credit analysis and recommendations to the Statutory Board to support strategic decision-making.
* Ensure rigorous documentation of credit decisions to meet audit, compliance, and governance standards.
Requirements
* Advanced credit risk assessment and financial analysis
* Structuring and negotiating complex, multi-product deals
* Strong decision-making under delegated authority
* Clear communication and board-level presentation skills
* Relationship building with clients, brokers, and stakeholders
* Leadership and coaching of underwriting teams
* Process improvement and governance focus
* Proven track record underwriting and approving large, complex transactions
* Experience with asset finance, invoice finance, asset-based lending, or structured finance
* Exposure to board-level reporting and recommendations
* Oversight of high-value portfolios and in-life risk monitoring
* Driving enhancements in credit processes and policies
* Working across teams to deliver integrated financing solutions
* Credit policy, governance, and regulatory frameworks
* Financial and accounting principles (cashflow, leverage, liquidity, working capital)
* Invoice finance and wider working capital products
* Market trends, competitor practices, and economic impacts on credit risk
* Legal and documentation standards for secured lending.
Company Benefits
* 26 days annual leave,
* Life assurance & Income protection
* Private medical insurance
* Healthcare cashback plan
* Holiday exchange scheme
* Cycle to work scheme
* Electric Car Scheme
* Auto-enrolment pension
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