The posting
Job description
Location: Ipswich, UK
You will work as part of the Relationship Management team, managing a varied workload, and supporting other Relationship Managers to complete the ever-growing workload of applications.
The main purpose of this role is to underwrite and assess the risk of commercial loan applications in order to support the company in making sound lending decisions. You will be a quick learner and employ a keen eye for detail everything you do.
Main responsibilities
- Reviewing applications from businesses that have applied for funding.
- Checking and assessing all supporting documentation from the applicant, including understanding financial accounts, bank statements, and credit reports.
- Completing a full underwriting assessment of each application using the information provided, complete with a summary and recommendation on whether or not the company should lend.
- Present application summaries to the Credit Committee and senior management where necessary.
- Sign off any loan conditions, present more complex conditions to Credit Audit to Credit Committee.
- Carefully and accurately generate funding offers and loan agreements.
- Complete Anti-Money Laundering checks and Know Your Customer assessments.
- Maintain strict deadlines for completion of tasks, stipulated by the Company.
- Liaise with other departments, introducers, and other available sources to gather further supporting information.
- Contact clients by telephone and e-mail to discuss their requirements and work with them to find the best funding solution.
- Guide the client through the application and drawdown process, achieving a positive customer experience.
- Ensure customer applications are dealt with promptly, fairly, and in accordance with company compliance procedures.
- Keep up to date on changes in company policies and compliance procedures.
- Execute any reasonable request from management.
What we're looking for
You'll be:
- Professional and confident with some experience in a previous underwriting role.
- Self-motivated, ambitious and forward-thinking, with the ability to work in cross-functional teams and remain flexible.
- Able to work under pressure in a fast-paced environment.
- An excellent communicator (both written and oral) with the ability to express opinions and points of view in a clear, concise manner.
- Good time management is essential.
- Strong analytical, administrative and organisation skills and great attention to detail.
- Ability to work alone and in a team.
The duties in this job description should be carried out in a manner which promotes equality of opportunity, dignity and respect for all employees and is consistent with Fleximize’s policies. The company reserves the right to alter or amend the duties set out in this Job Description in accordance with the needs of the business. This job description is intended as a general indication of the main responsibilities of the job and does not include detailed instructions of how tasks are undertaken. You may be required to carry out additional tasks within your capability as necessitated by your role within the organisation and to meet the needs of the business.
Job benefits
There are plenty of reasons to join us at Flex HQ. From our modern waterfront office (with a fully-stocked kitchen) to our staff perks, including private medical insurance, employee benefit scheme, and more. We're a friendly bunch at Fleximize, with regular team events and socials, and we’re excited to welcome you into the family. You can expect:
- Generous holiday entitlement: we offer 25 days holiday entitlement, with the added flexibility to buy and sell annual leave days. You get your birthday off too!
- Professional development: career advancement is as important to us as it is to you. We offer training courses and qualifications to develop your skills and knowledge. Taking time to attend webinars and in-person seminars that can help you in your role is also encouraged
- Healthcare benefits: all team members get private healthcare as standard, which can even be extended to cover your family. We also offer company death-in-service insurance and an enhanced maternity pay scheme
- Perks & discounts: everyone gets access to exclusive discount codes and offers on hundreds of high-street and online stores
- Free breakfast every day: our kitchen is filled with fresh fruit, cereals, and other goodies to start your day right
- Team socials: regular team outings give us all a chance to have fun and relax, whether it’s an escape room, theme park, football match, or evening at the local restaurant.
The duties in this job description should be carried out in a manner which promotes equality of opportunity, dignity and respect for all employees and is consistent with Fleximize’s policies. The company reserves the right to alter or amend the duties set out in this Job Description in accordance with the needs of the business. This job description is intended as a general indication of the main responsibilities of the job and does not include detailed instructions of how tasks are undertaken. You may be required to carry out additional tasks within your capability as necessitated by your role within the organisation and to meet the needs of the business
Salary range
27,500 – 35,000 GBP Annual



