Financial Underwriter

Financial Underwriter

At Funding Circle there’s a mission that drives everything we do. Around the world, we want to help small businesses get the finance they need to thrive, creating thousands of jobs as they drive the economy forward.

With teams in London, San Francisco, Amsterdam and Berlin, we’re fusing finance and tech to create new opportunities for those who want to achieve more.

As we continue to grow we’re looking for a Financial Underwriter to…

• Analyse credit data and financial statements to determine the degree of risk involved in extending credit.
• Interpret and evaluate external credit reference agency data, undertake due diligence and risk assessment analysis.
• Generate and evaluate financial ratios, using internal credit tools, to evaluate client’s financial status.
• Interpret and evaluate market, sector, and portfolio considerations to determine the degree of risk involved in extending credit.
• Timely completion of all applications within agreed service levels.
• Regular updating of internal and external risk systems, including risk monitoring systems, to ensure that data integrity within the portfolio is accurately maintained.
• Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity.
• Help to enhance the quality of credit applications
• Provide appropriate advice and guidance to colleagues ensuring that commercial opportunities are maximised without compromising Funding Circle’s risk management.

We’re looking for someone who’s been there and done this…

• Minimum of 4-5 years of experience in SME sector*
• Excellent analytical skills with a sound presence of commerciality and business focus.
• Ability to structure transactions based upon market sector, asset and security
• Ability to plan, organise, prioritise and manage time.
• Coaching and development of junior staff.
• Excellent interpersonal and communication skills.
• Self-disciplined, motivated, a strong team player.

*The stated experience level is a guide and does not preclude applications from candidates with more or less experience, provided the requisite skills can be demonstrated