Allica Bank - Underwriter

• Exposure/knowledge of underwriting, with experience ideally in the UK SME sector, with an understanding of the competitor landscape and the dynamics and trends of the SME market. • Excellent credit/financial analysis skills including the analysis of financial accounts, budgets and cashflow forecasting, • Understanding of the loan underwriting process and the risks involved and be able to assess applications and make recommendations. • Experience of escalating and presenting at Credit Committee level and Arrears Management. • Strong analytical, verbal and written communication skills. • Ability to build strong and lasting relationships with internal stakeholders such as the distribution team, operations team and senior management, plus 3rd party suppliers such as Intermediaries, Valuers and Solicitors. • Understand and comply with all regulatory requirements, plus internal policies / procedures, guidelines, risks and controls and service levels. • Good understanding of TCF, AML, KYC and Conduct risk. • Working at Allica Bank • At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. • Our employees are at the heart of everything we do, so our benefits are designed with you in mind: • Full onboarding support and continued development opportunities • Options for flexible working • Regular social activities • Pension contributions • Discretionary bonus scheme • Private health cover • Family friendly policies including enhanced Maternity & Paternity leave • Don’t tick every box? • Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! • Flexible working • Flexible working • We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. • Diversity • We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.