Underwriter

Overview

Underwrite SME credit proposals and manage credit reviews

Key Responsibilities

• credit analysis
• proposal review
• underwriting
• annual review
• client visits
• stakeholder liaison

Tasks

-Ensure credit analysis of each proposal is appropriate for the level of advance and will meet the QA process. -Overview credit proposals that are above other underwriter’s mandates and approve or, if not supportive, provide feedback to the underwriter. -Encourage an open culture with regular two-way communication with not only the Credit team but the rest of the business including Sales, Asset Management and Collections/Recoveries. -Make commercially balanced decisions where necessary to support the business whilst remaining within credit policy. -Underwrite new credit proposals within your personal mandate. -Ensure annual reviews are completed accurately and on time. -Build effective relationships within SME Lending, the Bank and attend customer visits as and when required. -Recommend new credit proposals outside of your personal mandate for submission to Senior Underwriters and Senior Credit Managers.

Requirements

• commercial lending
• written skills
• origination
• sme lending
• proposal assessment

What You Bring

-You will have intermediate commercial lending experience in both unsecured and secured lending and be able to demonstrate an understanding of funding a range of assets. -Good written skills in order to assist with the completion of credit papers for overview by higher mandate holders including Senior Credit Managers. -An ability to work in a direct and broker origination model to support SME Lending's internal and external sales teams and understand the different dynamics involved. -Able to accurately assess a large volume of low value proposals on a daily basis.

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Benefits

-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 -Volunteering Day: Contribute to causes you care about with one volunteering day per year -Profit Related Pay: We share some of our annual profit with our eligible employees -Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more -Life Assurance and Personal Accident Cover -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 -Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate

About Paragon Banking Group Plc

-Operates through two main segments: mortgage lending (primarily buy‑to‑let) and commercial lending including motor, development, SME and structured finance. -Has built a strong pipeline in buy‑to‑let and property development finance, recently driving notable loan growth. -Notable for limited motor finance exposure amidst broader sector risks, highlighting its prudent risk management. -Strong digital push with initiatives like the Spring savings app and enhanced buy‑to‑let mortgage platforms.

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