About The Role
Let’s grow together!
A Platinum Investors in People employer and an award-winning UK bank, focused on growth. Our customers include savers and businesses across the UK and, working together, we use our specialist expertise to help them achieve their ambitions and build a sustainable future. If you’re an experienced Senior Underwriter looking for an opportunity to grow in a friendly environment, we’re looking for you!
We’re flexible, inclusive, committed to your wellbeing and passionate about you reaching your potential. Let’s grow together …
What you’ll be doing
1. Underwrite new credit proposals within your personal mandate.
2. Recommend new credit proposals outside of your personal mandate for submission to Senior Credit Managers.
3. Preparation of credit papers for submission to Senior Credit Managers and Credit Risk.
4. Overview credit proposals that are above other underwriter’s mandates and approve or, if not supportive, provide feedback to the underwriter.
5. Ensure credit analysis of each proposal is appropriate for the level of advance and will meet the QA process.
6. Provide guidance to the credit team and the wider SME business on credit policy and appetite.
7. To support and assist the Senior Credit Managers and where required, deputise for them.
8. Ensure annual reviews are completed accurately and on time.
9. Build effective relationships within SME Lending, the Bank and attend customer visits as and when required.
10. Encourage an open culture with regular two-way communication with not only the Credit team but the rest of the business including Sales, Asset Management and Collections/Recoveries.
About You
What you’ll bring to the team
11. You will have strong commercial lending experience in both unsecured and secured lending and be able to demonstrate an understanding of funding a wide range of assets and lending structures.
12. An ability to work in a direct and broker origination model to support SME Lending's internal and external sales teams and understand the different dynamics involved.
13. Make sound commercial decisions where necessary to support the business whilst remaining within credit policy.
14. Advanced written and presentation skills in order to produce credit papers for overview by higher mandate holders including Credit Risk
Even if you don’t meet all the criteria, we encourage you to apply. At Paragon, we value diversity and we’re excited to hear from passionate individuals like you! If you’re ready to contribute to the team, please apply.
Further information on the role can be found in the Purpose and Performance Profile (PPP), which is downloadable on this page.
Working hours
This is a full-time position, Monday to Friday from 8:30 am to 5:00 pm. We offer a hybrid working model requiring a minimum of 2 days per week in our Southampton office
Inclusion
As a Disability Confident Employer, we want to ensure that our vacancies are accessible for everyone. If you have a disability, long term health condition or are neurodiverse and need us to adjust our recruitment process please get in touch with our recruitment team.
About Us
What can we offer you?
15. Generous Holiday Allowance: Starting from 27 days and climbing to 30, you also get to enjoy a day off for your birthday, Christmas Eve, and New Year’s Eve. You can also buy or sell up to a week’s leave
16. Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate
17. Profit Related Pay: We share some of our annual profit with our eligible employees
18. Pension Plan: We contribute up to 10% of your annual salary towards your pension
19. Family Friendly policies: We offer enhanced parental pay and paid time off for fertility treatment
20. Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more
21. Volunteering Day: Contribute to causes you care about with one volunteering day per year
22. Life Assurance and Personal Accident Cover
Be flexible
We promote flexibility around how and where we work so that you can achieve a healthier work-life balance. We operate hybrid working, splitting our week between the office and home.
Be yourself
As an equal opportunities’ employer, we welcome diversity and care about inclusion. That’s why we want you to be your whole self at work. We believe an inclusive workplace is good for each of us, great for our customers and better for our business. Our Equality, Diversity and Inclusion Network meets regularly to share challenges, experience, and ideas to build a more equal, diverse, and inclusive business.
Be heard
We listen to your point of view, with our People Forum and regular employee surveys making sure you can use your voice and influence our future.
Be well
We will give you access to a range of tools and resources to support your wellbeing. This will include a digital GP service via our free Employee Assistance Programme, access to our Wellbeing team to connect you with the help you need to get more out of life and our Vitality at Work programme to provide you with discounted gym membership, fitness equipment and another multitude of wellbeing services.
Be better
We want you to reach your potential and, as a Platinum Investors in People employer, we’ll encourage you to learn and develop by building a personalised development plan together with your manager.