Wholesale Credit Underwriter

Overview

In this role you will assess dealer funding opportunities and existing applications, analysing financials and market information to support evidence-based lending. You will partner with Distribution, Operations and Risk to influence credit decisions and monitor portfolio performance. You’ll help maintain a strong risk culture while supporting responsible growth in a fast-paced environment. This role offers a specialist focus on Dealer Funding and wholesale motor finance within MotoNovo.

Pay / Benefits

• Hybrid working (2 days onsite in Cardiff)
• Annual bonus
• Up to 10% employer pension contribution
• Private medical insurance (BUPA)
• 38 days holiday including bank holidays
• Core benefits package

Responsibilities

• Assess new and existing dealer funding applications and provide balanced lending recommendations
• Analyse financial statements, trading performance, security and market data to support credit decisions
• Conduct annual credit reviews and identify changes in dealer risk profiles
• Monitor facilities, highlight emerging risks and support mitigation actions
• Collaborate with Distribution to support new business opportunities and renewals
• Produce portfolio insights and management information to identify trends and opportunities
• Maintain accurate credit documentation and ensure decisions are compliant with policy
• Support management of higher-risk facilities and strengthen risk and control environment

Key requirements

• Experience in credit underwriting, credit analysis, wholesale lending, dealer funding or related commercial finance environment
• Understanding of credit risk principles and lending within a defined risk appetite
• Experience analysing financial statements and using data to support lending decisions
• Strong written and verbal communication skills for cross-stakeholder relationships
• Excellent organisation skills and ability to manage competing priorities
• Experience in motor finance, dealer funding or wholesale lending (highly advantageous)

• Collaborative approach to stakeholder management
• Analytical and evidence-based thinking
• Strong written and verbal communication
• Credit underwriting
• Credit analysis
• Wholesale lending

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