Senior Credit Underwriter

Job Description

Senior Credit Underwriter

The Role:

As a senior credit underwriter you will be an integral part of the credit underwriting team and contribute to the credit philosophy of the business. You will be joining a growing team with an entrepreneurial commercial mindset and make-work attitude. You will predominantly cover our unsecured and secured business loan offerings with exposure to our asset finance and property development products. Successful applicants will be granted a sign-off mandate and be expected to contribute towards streamlining the end- to-end processing of credit decisioning and development of junior team members.

Reporting to: Head of Credit

Responsibilities include (but are not limited to):

• Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy
• Conduct second reviews of credit recommendations as part of our four-eye underwriting process
• Accurately report findings from investigations into non-performing loans providing feedback to the team and senior management
• Play an active role in monthly credit committee meetings articulating credit views to the wider business and executive committee
• Contribute to process improvements ensuring continuous evolution through the adoption of advanced technological solutions
• Support day-to-day operations to maintain service level agreements (SLAs)

Skills and Qualifications:

• 4 years SME lending experience with previous signing mandate required
• Self-motivated able to work under pressure and driven to succeed
• Strong communication skills both written and oral
• Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business
• Growth mindset and ability to adapt to changing business requirements in a fast-paced business environment

Details and benefits:

• Duration: Permanent
• Employment Type: Full Time
• Salary: Market related depending on experience
• Leave: 25 days annual leave
• Location: Office based role Finchley Road NW London. Convenient location with easy access to public transportation (Metropolitan Jubilee Thameslink and Overground)
• Start Date: ASAP

Required Experience:

Senior IC