At Secure Trust Bank Motor Finance is growing, fast! As part of the growth and transformation of the Motor Finance department we are seeking a credit underwriter to underwrite loans in line within credit policy.
About the role
Reporting to the Credit Manager, the purpose of this role is to underwrite deals within a mandated authority in line with the credit policy for the Motor Finance product.
This is a key role in our expansion into the prime dealer market in 2019 and you will develop a strong understanding of our business proposition and the finance products as a whole.
You will underwrite deals within delegated credit mandate and to agreed SLAs, clearly and concisely articulating decisions with clarity on conditions and monitor credit risk performance against agreed targets and work with the Credit Manager to propose and agree actions required to address any issues and/or to capitalize on opportunities, providing credit recommendations and assisting with the delivery of monthly portfolio risk reviews.
What you will bring
You will have demonstrable experience of working within a Credit/ Underwriting team, ideally within the Motor sector with knowledge of finance products and how they work.
You will be comfortable working with cloud based technology platforms, ideally Salesforce and will have experience of reviewing financial statements and providing recommendations.
This is a new role in a new profit stream for the business therefore you will be expected to work proactively, giving significant input to building new processes, policies and procedures.
How you will be rewarded
At STB you will not be a small cog in a big wheel, you will have the autonomy to use your skills and experience to drive our business forward and have a tangible effect on our success. In return you will receive a competitive salary package, inclusion in the company bonus scheme, share save scheme and a suite of flexible benefits and discounts that you can opt into to suit your lifestyle, from gym membership to private medical cover.
As a business we celebrate achievement and have a range of generous recognition schemes that reward both individual and team successes. We also offer free fruit, hot & cold drinks throughout the day and have an onsite canteen offering hot and cold food and a pool table to help you unwind during breaks.
We offer excellent in house training and development schemes and a range of external qualifications to enable your progression and career development. Every single member of our team has a personal development plan to help them achieve their goals, whatever their career ambitions.