Senior Underwriter / Wholesale / Credit

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Senior Underwriter / Finance Specialist / Wholesale / Floorplan / Permanent / Negotiable salary / North London

My financial services client is currently recruiting for an experienced Senior Underwriter / Finance Specialist for an exciting permanent role to be based out of their North London office. You will be joining the business a time of growth and will be integral in aiding the organisation in achieving its goals and more specially growing their loan book whilst mitigating credit risks. Your day to day tasks will be varied and will include underwriting prestige car loans, credit assessing floorplan stocking finance applications and monitoring ongoing floorplan finance client credit risk. In addition you will be responsible for legal recoveries of any defaulting floorplan finance agreements and the recovery of amounts through the sale of the underlying vehicle security.

You will need previous experience within a car finance operation and at least 2 years' experience of credit assessing floorplan finance applications. You will also need experience of ongoing monitoring of credit risk of live floorplan finance agreements. The ability to effectively assess credit risk in the situations outlined above is critical to success in this role.

Duties include:

* Performing the floorplan finance underwriting process in line with the company credit policy framework

* Ongoing monitoring of live floorplan finance agreements ensuring company risk is minimised

* Managing the client experience and journey for floorplan finance clients

* Providing feedback to the management team to offer improvements in the floorplan finance service

* Analysing and assessing prestige car loan applications

* Analysing and assessing potential large clients and assisting in making a lending decision

* Preparing ad hoc credit reports to the CRO and wider stakeholder environment and presentation of portfolio analytics and initiatives at the Risk Committee.

* Liaising with the sales, sales support and introducers to optimise the client trajectory and experience

* Production of monthly MI and analysis

* Process improvement and strategic leadership

Candidate requirements:

* At least 5 years' experience within a similar underwriting role (credit/risk)

* Minimum 2 years' experience in floorplan finance credit underwriting / operation

* Strong numeracy and reporting skills

* Excellent interpersonal and communication skills

* Highly organised and superb attention to detail

* Ability to work under pressure and to tight deadlines

If this role sounds of interest then please don't hesitate to send an up to date CV for immediate consideration.

Spring acts as an employment agency for permanent recruitment and an employment business for the supply of temporary workers. The Spring Group UK is an Equal Opportunities Employer.

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