Underwriter

1 week ago


Woodstock, South Africa Retail Capital Full time

**DUTIES AND RESPONSIBILITIES**:

- Responsible for full credit assessment of applicants
- Responsible for completing all necessary credit and reference checks as required by the product type
- Responsible for achieving performance targets and maintaining performance standards within the turn-around times agreed with stakeholders within the business
- Responsible for meeting internal SLA’s stipulated per product and partner while managing accuracy, completeness and turn-around times for deals
- Will be required to underwrite and finalize deals within designated mandate
- Prepare necessary documentation required by the Underwriting Manager to be used in Risk and Decline Appeal meetings
- Fulfill any task as requested by Team Leader to ensure SLA’s are met with stakeholders within the business

**KEY REQUIREMENTS FOR THIS ROLE**:

- High level understanding and experience of credit risk underwriting
- Will rely heavily on analytical thinking, attention to detail, financial acumen and ethics during the credit evaluation process
- Ability to analyse bank statement data
- Ability to work under pressure and know how to prioritize tasks
- Ability to follow standard operating procedures to ensure consistent decision-making
- Ability to summarize findings in a concise and clear manner
- Ability to highlight areas of concern which can affect the decision-making process
- Very organized with the ability to prioritize tasks to meet deadlines
- Must be flexible with an open mind to find solutions to overcome challenges
- Ability to multitask while working under pressure
- Methodical approach to work with a ‘can do’ attitude
- Self-motivated and passionate about motivation within the team
- Good communication skills - written and verbal; comfortable sharing information with both colleagues and senior personnel
- Target and outcome driven

**QUALIFICATIONS AND EXPERIENCE REQUIRED**:

- A minimum of 3 - 5 years of underwriting and analysis experience
- Proven credit risk and or credit underwriting experience within the Financial services industry
- Minimum qualifications: Matric certificate and equivalent Advanced Certificates and/or Diploma in business/finance/accounting
- Proven computer skills and experience with CRM systems essential
- Proven MS Office skills, most importantly advanced Excel
- Experience in a pressurized, fast paced, and ever-changing environment
- Exceptional organizational and analytical skills, with attention to detail
- Ability to achieve in line with performance targets and maintain performance standards within strict turn-around times

Ability to commute/relocate:

- Woodstock, Western Cape: Reliably commute or planning to relocate before starting work (required)

Application Question(s):

- What are your salary expectations?
- Do you have experience working with CRM systems?
- Do you have experience working in the financial services industry?

**Education**:

- Diploma (required)

**Experience**:

- Underwriting: 3 years (required)
- Credit Risk/Credit Underwriting: 1 year (required)