Underwriter

Description

• Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basis
• Enhance the quality of loan decisions by  integrating market, industry, and portfolio  insights into your credit decision
• Further your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctly
• Provide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standards
• Contribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacity 
• Advise and guide colleagues to ensure that commercial opportunities are maximised without compromising Funding Circle’s risk management

• An inquisitive mind-set, openness to change, willingness to challenge the status quo and a great work ethic
• Experience in credit analysis (Ideally SME lending).
• Strong analytical, decision-making, and communication skills
• A firm understanding of UK accounting standard.

• The opportunity to learn, show initiative and make an impact in a market-leading FinTech – you’ll be building the world's largest online lending platform with us
• You will be part of a key department and will have a significant impact on its operation
• A great working atmosphere and lots of opportunities to bond with colleagues at regular social, sports and volunteering events.
• Comprehensive training on our product portfolio and support in developing your career through our internal learning & development programs and a personal learning budget
• Flat hierarchies and a strong team spirit - our talented, multi-cultural team values passion and drive above hierarchies and loves to celebrate success.