Commercial Lending and Fraud Prevention Analyst
Commercial Lending and Fraud Prevention Analyst
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Salary Not Disclosed
1 Vacancy
Job Description
The OpportunityAs our commercial portfolio expands and financial crime evolves; were creating a critical new role for a seasoned Commercial Underwriting expert. This high-impact position is vital to protecting our business and empowering our underwriting teams by providing specialist fraud prevention knowledge and strategic process improvements.
Role SummaryThe Commercial Lending and Fraud Prevention Analyst is a dual-focused Subject Matter Expert. Youll provide critical operational support for commercial applications focused on an SME portfolio while leading strategic initiatives to enhance our underwriting framework with a strong emphasis on fraud prevention. This role significantly strengthens our ability to assess credit risk and combat financial crime.
Responsibilities
- Operational Support & Underwriting Expertise:
- Serve as the primary escalation point for high value loans for our SME portfolio lending as well as supporting underwriting for more complex commercial applications.
- Provide expert guidance on deal structuring financial analysis business models sector risk analysis and industry risk.
- Conduct in-depth reviews and underwrite high-ris cases applying advanced analytical and fraud detection techniques.
- Fraud Prevention Investigation & Enhancement:
- Act as the front-line specialist in commercial lending fraud typologies
- Work with second line teams to develop and refine enhanced due diligence detection rules and verification protocols.
- Lead investigations into suspicious applications collaborating with internal and external teams.
- Analyse fraud attempts to identify systemic weaknesses and recommend preventative measures.
- Monitor emerging fraud threats regulations and technological advancements
- Strategic Initiatives & Knowledge Sharing:
- Work with our Learning and Development team to design and deliver training to underwriting teams on financial analysis and fraud identification.
- Lead/contribute to strategic projects improving underwriting efficiency and fraud detection.
- Develop best practices guidelines and fraud checklists tailored to our portfolio.
- Conduct regular quality checks on underwriters and provide feedback on findings.
Qualifications
Key Competencies
- Expert commercial credit acumen across diverse entity types and complex deals.
- Advanced practical experience in commercial lending fraud prevention and investigation.
- Strong analytical critical thinking and decision-making skills.
- Proven subject matter expertise leadership and mentoring abilities.
- Proactive approach to process/policy enhancement and excellent communication skills.
- Meticulous attention to detail.
Minimum Skill Requirements
- Strong progressive commercial credit underwriting experience in financial services.
- Demonstrable expertise underwriting diverse commercial entities
- Proven hands-on experience identifying investigating and preventing specific commercial lending fraud typologies
- Experience as a lead underwriter specialist or SME providing guidance/sign-off on complex cases.
- Track record of developing/delivering training policies or best practices within an underwriting/risk function.
- Strong understanding of commercial lending legal structures and documentation.
- Proficiency with commercial credit bureaus financial analysis tools and underwriting systems.
- Bachelors degree in finance Business Economics or equivalent professional experience.
- Experience with specific fraud detection software/verification tools
Desired Skills (Nice-to-Haves)
- Experience in automotive or asset finance.
- Relevant professional certifications (e.g. CFE Advanced Commercial Lending).
- Experience managing small projects or process improvement initiatives.
Additional Information:
The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race religion or belief sex marriage and civil partnership pregnancy and maternity age sexual orientation gender reassignment or disability
This position is based in Dunton or Manchester and it is expected the successful candidate will be able to attend the Dunton office or Manchester Business Centre for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.
As part of our pre-employment checks process successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.
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Required Experience:
IC
Employment Type
Full-Time
