Credit Department – Reporting to Head of Credit
Liberty Finance is looking for a Underwriter / Trainee Underwriter to join our Credit team and develop or further their career in asset finance underwriting.
You will work alongside experienced Underwriters, the Head of Credit and Directors, gaining practical experience assessing new business proposals across a broad range of assets and UK-based businesses and high-net-worth individuals.
The role will involve analysing financial information, assessing credit risk and supporting the business in making balanced, commercially sound lending decisions, while ensuring compliance with responsible lending and regulatory requirements.
Main Duties & Responsibilities:
- Reviewing and assessing new credit applications on a daily basis.
- Assisting the internal sales team in structuring proposals and preparing transactions for underwriting.
- Analysing financial information, including statutory and management accounts.
- Assessing customer information, security valuations and director guarantees.
- Identifying and challenging risks within credit proposals and ensuring risks to the business are appropriately managed.
- Developing an understanding of responsible lending requirements, including CONC 5, creditworthiness assessments and Consumer Duty.
- Working closely with Sales and providing feedback on lending appetite.
- Supporting experienced Underwriters with more complex transactions and developing sound credit judgement.
- Assisting with the annual review of the Credit and Lending Policy.
Skills & Experience:
We are looking for someone who is analytical, commercially minded and keen to develop a career in credit and underwriting.
The successful candidate will have:
- Strong analytical skills and attention to detail.
- A basic understanding of statutory and management accounts.
- Good numerical and financial analysis skills.
- The ability to work under pressure and meet tight deadlines.
- Strong communication and relationship-building skills.
- Good IT skills, particularly Microsoft Excel and Word.
- A proactive approach to learning and developing technical knowledge
About Liberty Finance:
Liberty Finance provides asset and vehicle finance and refinancing solutions to a broad range of UK businesses and high-net-worth individuals.
Liberty is owned by an Employee Ownership Trust (EOT), meaning employees have an important stake in the future success of the business. Our employee-owned structure supports a collaborative culture where people are encouraged to take ownership, contribute ideas and play a meaningful role in the continued growth of the company.
As an established business within the asset finance market, we combine commercial flexibility with disciplined credit decisions, supported by an experienced team and a strong commitment to customer service, integrity and professionalism.
This is an excellent opportunity to join an established Credit team, gain hands-on underwriting experience and build the skills required for a successful career in asset finance.