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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 Invoice Finance Credit Manager looking for an opportunity to grow in a friendly environment, we’re looking for you!
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 Invoice Finance Credit Manager 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
* Underwriting new business as well as in life portfolio applications and deliver decisions on a timely basis and in line with Credit policy and risk appetite
* You will be key in assessing the new business recommendations and providing expert knowledge to support operations and manage the risk within the portfolio to ensure all the key risks have been highlighted and mitigated in line with risk appetite and credit policy
* Where proposals are in excess of your approved mandate then you will be required to submit a credit paper to the appropriate mandate holder including your supporting analysis and narrative.
* You will attend weekly portfolio and compliance meeting reviews to ensure you are up to date with any client issues within the portfolio. Managing the IF portfolio risk and escalating to the Senior Credit team as required.
* Build effective relationships within SME Lending, the Bank and attend client visits as and when required
* Work with the IF team to off board clients where default has occurred to ensure the any losses are mitigated as much as possible
About You
What you’ll bring to the team
* You will have expert lending experience within Invoice Finance and be able to demonstrate an understanding of all funding options available for debtor financing
* Able to accurately assess a wide variety of proposals on a daily basis and structure proposals that supports the customer whilst mitigating the Banks risks
* You will have the ability to analyse a large volume of data accurately and quickly to reach a decision within set SLA's.
* An ability to work in a direct and broker origination model to support Invoice Finance's internal and external sales teams and understand the different dynamics involved
* Make commercially balanced decisions where necessary to support the business whilst remaining within credit policy
* Good report writing skills in order to produce credit papers for overview by higher mandate holders including Senior Credit Managers.
* An ability to manage the customer risk from take on to off boarding as a result of client default
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 t eam.
About Us
What can we offer you?
* 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
* Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate
* Profit Related Pay: We share some of our annual profit with our eligible employees
* Pension Plan: We contribute up to 10% of your annual salary towards your pension
* Family Friendly policies : We offer enhanced parental pay and paid time off for fertility treatment
* Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more
* Volunteering Day: Contribute to causes you care about with one volunteering day per year
* 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.
Seniority level
* Seniority level
Mid-Senior level
Employment type
* Employment type
Full-time
Job function
* Job function
Finance and Sales
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