Underwriter

3 days ago

Cape Town, Western Cape, South Africa The Legends Agency Full time R1 440 000 - R1 680 000 per year


Role: Underwriter 

Reports to: Undewriting Manager

Salary band: R30k - 35k/month 

Location: Hybrid, Cape Town CBD

Key Day to Day Responsibilities

  • Assess and evaluate loan applications submitted by small and medium-sized businesses in Ireland. This includes identifying revenue sources, reviewing both personal and business credit histories, analyzing banking and open banking data, examining financial statements, and conducting online due diligence. 
  • Perform detailed financial and risk assessments to determine creditworthiness, and support lending decisions in line with internal criteria
  • Participate in client calls, particularly for higher-value applications, to better understand borrower needs and assess suitability
  • Coordinate with the operations team to ensure timely disbursement of funds, set up automated repayments, and establish facilitator accounts as needed. 
  • Work collaboratively with cross-functional teams including operations, sales, technology, and partnerships to streamline the lending process.
  • Support the collections and legal teams by tracking loan performance and assisting with recovery actions when necessary.
  • Keep informed about economic conditions, regulatory changes, and market developments relevant to the Irish lending landscape.
  • Contribute to the ongoing improvement of underwriting policies and procedures tailored to the Irish market.
  • Collaborate with the tech team to design and develop automated underwriting workflows, including integrations with data providers and open banking platforms
  • Reviews and develops underwriting policies and processes specific to the Irish market
  • Helping tech team scope out and build automated processes for underwriting (including building integrations to processing partners, openbanking APIs

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