Credit Underwriter (Flow Credit) - Reading Who we are An award-winning bank here to help Britain's go-getters. More about us In 2009, Aldermore set out to be the bank helping those with ideas, big and small, to realise their dreams and to seek and seize opportunity in their personal and professional lives. We call it banking for the bold. Today, we're an award-winning bank that has helped fund the growth of Britain's small businesses through a range of business finance solutions, specialist mortgages and savings accounts that provides our customers with the support they need to make things happen. Join us if you want to find yourself at the heart of a dynamic, growing organisation where our employees are empowered to grow their expertise and build their careers. Credit Underwriters in one of Aldermore's largest teams, Asset Finance, have helped us to become the industry's specialist lender of choice. Across the UK, our people support our broker partners, lending to an unusually diverse range of markets and across the complete range of solutions. Today, we're a leading national provider of leasing, hire purchase and loan facilities to SMEs. And because we have even bigger ambitions, we can offer a dynamic, progressive environment in which to build an exciting career. The Role This is a fantastic opportunity for a Credit Underwriter to join this dynamic team based in Reading. You will underwrite Credit applications up to a customer exposure of £100k within a delegated underwriting authority from Aldermore's broker panel, ensuring adherence to lending policy. You will also communicate effectively with both internal and external stakeholders, exhibiting a 'can do' attitude and, whilst keeping quality high, meet required output and SLA's. Key Accountabilities Understand and apply Asset Finance Credit Policy. Assess and recommend proposals for Credit within personal lending mandate of up to £100k. Ensure Credit SLAs are adhered to through consistent decisioning of proposals. Maintain high quality lending criteria through individual business assurance output. Liaise with internal sales and external brokers to structure deals and improve key stakeholder relationships. Additional Responsibilities Supplier approvals Increase experience by reviewing and making relevant recommendations on large value deals, in excess of £100, via periodic secondment into the Larger Value Deal dept. Liaise with Asset Management to confirm suitability of asset being underwritten Liaise with KYC dept. and Financial Crime Departments regarding any related customer issues highlighted during the on-boarding process Experience Required Proven expertise in Credit management Strong understanding of reading a set of accounts Understanding and interpretation of CRA reports Experience in Microsoft Office The Rewards As you would expect, this opportunity offers a competitive basic salary and reward package, and you'll also benefit from our commitment to investing in your professional development. Agencies Paragraph We do not accept speculative agency CVs. Any CV received by Aldermore will be treated as a gift and not eligible for an agency fee. PSL agencies should only send CVs if authorised to do so by HR. Where a DBS check or CIFAS check is identified as necessary, all application forms, job adverts and recruitment briefs will contain a statement that an application for a DBS certificate or a CIFAS check will be submitted in the event of the individual being offered the position. Aldermore is an equal opportunities employer