Credit Underwriter

Credit Underwriter

Location: Nottingham/Hybrid

Salary: £40,000 to £42,000 per annum

Vacancy Type: Permanent, Full Time

Benjamin Edwards are recruiting for a Credit Underwriter for a small, dynamic team. As Credit Underwriter, you will independently make decisions on moderately complex credit applications for asset finance proposals, working within the company s credit guidelines, policies, and procedures. You will support and maintain strong dealer and partner relationships and may assist with coaching and guiding junior colleagues. Occasional customer and dealer visits will be required.

What s on offer to the Credit Underwriter

• Supportive, flexible, and inclusive working environment
• Attractive remuneration and bonus scheme
• Generous pension scheme
• Employee assist benefit
• Long service awards
• Hybrid/flexible working
• Hours of work are Monday - Friday - 37.5 hours per week
• Easy access and free parking
• Career progression / international exposure through project work
• Group Income Protection and Group Life Assurance and Death in Service benefits
• 25 days annual leave
• Long service bonus holiday (+ opportunity to buy and sell holiday)

The role of Credit Underwriter

• Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information for cash flow, balance sheet strength and profitability.
• Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite.
• Portfolio Management: Manage and review credit lines that fall within local authority limits, including processing renewals, monitoring customer performance, and authorising additional transactions within mandate.
• Customer Communication: Conduct customer visits to clarify financial queries, understand business needs, and strengthen relationships
• Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide guidance to help dealers and area sales teams improve the quality and structure of proposal submissions.
• Stakeholder Engagement: Build and maintain strong relationships with dealers, Area Sales Managers, and internal stakeholders through regular communication and occasional in-person meetings.
• Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction.
• Team Development: Mentor and coach junior colleagues and internal staff, contributing to their professional growth and capability development.
• Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness.

The ideal candidate for the role of Credit Underwriter

• Degree in a Business/Management discipline or degree in an Accounting/Finance discipline or equivalent experience
• Credit underwriting in asset finance preferably in agriculture or construction or other off-highway applications
• Good knowledge of financial analysis, accounting principles, and credit risk assessments
• Experience working in customer service or related customer-oriented environments

To Apply

If you feel you are a suitable candidate and would like to work for Benjamin Edwards Ltd, please do not hesitate to apply.