Junior Underwriter

Job Description

At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.

Who are you?

You are someone that is excited by the prospect of a challenge, appreciate autonomy and the space to generate your own ideas and are passionate about finance that serves to support small businesses, not just turn a profit.

Reporting to the Senior Underwriting Manager and based out of our London office you will be responsible for underwriting new finance proposals that both protect and deliver value to Liberis. You will have the opportunity to use your experience to enhance our underwriting process while ensuring we stay within the organisation’s risk appetite.
What you’ll be doing

• Underwriting new and repeat business requests, investigating multiple different pieces of information to make sound, rational decisions.
• Direct liaison with prospective customers to obtain additional information as well as potentially relaying approve/decline decisions.
• Acting as a referral point for internal stakeholders, specifically focused around ensuring the correct policies and procedures are being followed.
• Constantly challenging the way in which we underwrite to ensure we always have the right balance between customer experience and protecting Liberis from any potential risk.

What we think you’ll need

• Bachelor’s degree in finance, economics or any other quantitative fields. Master’s degree is a plus.
• Previous experience in an underwriting role, ideally small business finance (preferred but not essential)
• Confident in making decisions and being able to articulate these effectively
• Strong ability to decipher and interpret management accounts, cash flow statements, and financial trends to assess affordability, sustainability and overall credit risk
• Analytical skills, problem solving ability and meticulous attention to detail.
• Excellent verbal and written communication skills
• Ability to convey complex findings in a logical and easy-to-understand style
• Ability to refocus as needed to support a rapidly growing and evolving company

What happens next?

Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

Our hybrid approach

Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.

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