Senior Underwriter

We're looking for a Senior Underwriter with strong expertise to join our forward-thinking Risk and Compliance team. This is a fantastic opportunity to join the team responsible for evaluating credit applications and making decisions whether to approve finance applications, while ensuring decisions are in line with business, regulatory, risk and compliance rules and within agreed service level.

The department is key to protecting the Ayvens from undue risk whilst providing great customer service.

Summary of responsibilities               

• Analysing customer documentation, credit data and financial statements to evaluate the risks associated with the cred-it worthiness and due diligence requirements.
• Complete credit analysis and issue a credit opinion for £1m + applications
• Register all new customers in risk system following the customer registration process.
• Produce a robust audit trail on all parts of application decisions ensuring outcomes are compliant with on boarding and origination approval process.
• Coordinate with the Management team and Risk teams to complete tasks and escalate issues in a timely manner to achieve service level agreements.
• Deliver operational effectiveness, achieving productivity and quality targets and objectives set by the business.
• Continuously review Operational processes to enable maximum efficiency and timely updating and governance pro-cess for Standard Operating procedures.
• Involvement in ad-hoc projects and process reviews providing ideas to improve the end to end client journey.
• Ownership of Risk Operations procedures updating in line with risk, regulatory and compliance parameters.
• Contributing to improvements to processes and policy that balance risk with customer service.
• Managing and building internal relationships with key functions within the business.

Skills and Experience

• Ability to risk assess.
• A strong research and analytical skill set coupled with an inquisitive mind-set.
• Excellent communication, influencing and negotiation skills.
• Customer service and relationship management.
• Excellent communication and engagement skills.
• Strong attention to detail and critical thinking skillset.
• Is commercially astute when making decisions.
• Confident to work autonomously whilst managing competing priorities.
• Excellent time management skills with the ability to juggle priorities.
• High standard in IT literacy including office applications.

What we offer

• Generous contributory pension scheme 
• 25* days holiday, in addition to bank holidays (pro rata)
• Volunteering days to assist in charity work
• Sustainability Initiatives 
• Holiday buy / sell (subject to conditions)
• Employee Referral Scheme
• Subsidised onsite catering
• EV charging points (cost associated), bike storage, shower & changing facilities and car parking 

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!