Relationship Manager / Underwriter

At Fleximize, we've lent millions to businesses all over the UK, won a ton of awards, and helped thousands of business owners fulfil their ambitions - but we're just getting started. As we kick on into our next phase of growth, we're looking for people that want to help us in our mission to make life better for business owners, with flexible funding and so much more.

The role

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.
• Maintain ongoing relationships with clients on completion of their application in order to maximize future opportunities.
• 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.

What we offer

In return, we offer;

• Competitive Salaries. We’re committed to equal pay and professional development, so we review salaries annually. We also offer a company-wide pension scheme.
• Generous Holiday Entitlement - we offer an extended holiday entitlement, with an option to buy and sell annual leave days, just in case.
• Healthcare Benefits - all team members get private healthcare as standard, and this can even be extended to cover your family. We also offer company death-in-service insurance.
• Perks & Discounts - everyone gets access to exclusive discount codes and offers on thousands of high-street and online stores.
• Professional Development - career advancement is as important to us as it is to you. We offer training courses and qualifications to help you further your skills and knowledge and allow you to take time to attend webinars and seminars to help you do your job better.
• Free Breakfast Every Day - didn’t your mum tell you to never skip breakfast? Our kitchen is filled with fresh fruit, cereals, and other goodies to start your day off right.
• Team Socials - regular team outings, whether it’s an escape room, theme park, football match, or an evening at the local table tennis bar. We also have annual summer parties, with a BBQ, drinks, games, and more.

To apply, please email a CV and cover letter to [email protected]. Still need convincing? Click the button below to find out more about life at Flex HQ.

Life at Fleximize