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Senior Risk Underwriter

Department: Risk

Date added: 23 January, 2020

Posted by: Jessica Lambert

ABOUT NUCLEUS

Nucleus Commercial Finance was founded in 2011 to provide UK SMEs with alternative funding options. No bureaucracy, no rigidity: we support growing companies with the finance they need to flourish. Our specialists have substantial banking and investment experience. As such, we understand how to structure long-term funding that helps your business grow. 

At Nucleus, we combine the stability of bank finance with the flexibility and speed of P2P platforms. We’re completely transparent, won’t mask hidden costs with low interest rates. We are an exciting expanding company set on growth and maximising our potential to become an exceptional key partner in business.

THE ROLE

The Business Development Manager is responsible for improving the businesses market position to achieve financial growth through identifying new business opportunities and satisfying existing client needs.

Reporting to: Risk Director

MAIN DUTIES AND RESPONSIBILITIES ARE (BUT NOT LIMITED TO):

  • Report into the Risk Director.
  • Monitor own and team performance against set targets and Staff Dialogue.
  • Complete monthly 1-1’s with your team.
  • Take monthly team meetings with the Risk team, informing them of any policy changes. Give feedback on team and product performances.
  • Conduct monthly audits of a sample of each of the teams deals. Highlight any areas that you have not agreed with, and Implement any additional training they may require.
  • To assist in developing the business Continuity plans to limit risks and preparation for if things go wrong.
  • Risk evaluation, which involves comparing estimated risks with criteria established by the business such as costs, legal requirements and environmental factors.
  • Carry out risk assessments to analysing risks as well as identifying, describing and estimating the risk affecting the business and escalate this information to the Risk Director if need be.
  • Liaise with internal and external personnel to gain extra/appropriate information or to discuss applications where necessary.  Provide regular information on application statuses and work load.
  • Work closely with the Collections team to ensure there is ongoing dialogue around the performance on the Nucleus portfolio.
  • Where necessary, discuss and agree ways to structure applications that will make the application acceptable to Nucleus.
  • Actively contribute suggestions and influence improvements in relation to the Cash Flow and Property processes and working practices. Ensure you are compliant with the Nucleus Risk Policies and Guidelines.
  • To work within the level of risk the business is prepared to accept.
  • Support the audit of relevant quality assurance systems across the business.
  • To assist in developing the business Continuity plans to limit risks and preparation for if things go wrong.

WHAT EXPERIENCE DO YOU NEED FOR THIS ROLE?

Essential technical skills:

  • At least 5 years’ experience in a risk environment & strong decision-making ability.
  • Managerial experience preferred.
  • Understanding of financial statements and principles of lending.
  • Strong interpersonal, written and oral communication, negotiation & conflict resolution skills.
  • Be proactive and acts on own initiative and have good problem-solving skills.

I.T skills required:

  • Excel (min of intermediate preferred).
  • Word (min of intermediate preferred).
  • Experience of using CRM systems.
  • Outlook.


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