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In this Assistant Credit Underwriter role, you will acquire the maximum amount of retail business whilst providing maximum protection to the portfolio ensuring an efficient and empathetic underwriting service to the dealer network. Duties Include: Make credit lending decisions (or recommendations where outside own mandate) on consumer and corporate proposals and where necessary, structure a proposal within personal mandate to facilitate an approval. Ensure KPI's are met (turnaround times and approval rates) whilst maintaining the quality of all decisions made. Analyse all aspects of credit proposals taking into account credit and asset risk, and where necessary make direct contact with customers and professional bodies to obtain further information to support the decision making process. Confidently communicate rejection decisions to dealership staff and where necessary negotiate improved proposal terms to allow a positive outcome, whilst adhering to Data Protection law. Where appropriate, take responsibility for or assist in fraud investigation through the in-house system. When required, make contact with third parties to verify information and confidently speak to dealership staff to withdraw an approval when necessary. Depending on personal experience, take responsibility for reviewing, assessing and countersigning proposals prepared by lower mandated underwriters. Provide coaching and mentoring through constructive guidance and feedback to assist in the development of junior colleagues. Develop, manage and maintain a positive and professional business relationship with all franchised dealers and Sales personnel to facilitate achievement of departmental and company objectives. Key SLA of activation time driving dealer and customer service. Skills Required: Investigative mind Numerate and proven analytical skills with the ability to interpret financial information to facilitate strong decision-making A lateral thinker with awareness of risk and potential fraud scenarios Clear, concise written and verbal communicator with good negotiation skills Self-motivated with the ability to work within a pressurised environment whilst maintaining focus on personal, departmental and company objectives Annual Bonus and Hybrid working after passing probationary period.
Buyer/Category Manager £50 - 55,000 Bonus & Full Package Based Southern or Central England The Person It's an obvious point but you'll be good at your job. That means you'll understand that buying is really about selling and that buying a range is about being commercial, understanding, even predicting, trends, working with suppliers to produce product that people will want in their homes but never losing sight of the bottom line: you're there to make you category profitable. You'll be ambitious. It's a clich but you really will want room to develop and be comfortable making decisions and benefiting from their consequences. Or not. This is a job with room to make a difference and you should think about whether that's for you, because it's not for everyone. Not really. The Role Your starting point is that you have a business to develop but beyond that, it's largely up to you how that's done. You'll shape the category - which is broadly within seasonal goods and home decor, being responsible for just about everything from supplier to shop floor. There's no merchandising function to support you so you better be all over your numbers and OK with the scope. It's a big job, did we say that? Well, it is. But it's also one with enormous potential. Potential to get noticed. Potential to really make an impact and potential for growth, both within the category and the wider business which has a track record of developing talent. The Company This is a retailer with a long and rich heritage that has invested heavily in store refurbishment and is actively expanding throughout the UK. It's one of the best-known businesses in its sector The location for the role is flexible but you will be based in Southern or Central England with access to the M6/M40/M4/M25 network.