Job Title: Senior Underwriter
Location: London
Our client is an established, innovative and rapidly growing Alternative Finance lender dedicated to empowering small and medium-sized enterprises (SMEs) with the funding they need to grow and succeed. With a commitment to offering transparent and customer-centric solutions, they are disrupting the traditional lending industry and providing fast, flexible, and accessible financing to SMEs across the UK. As they continue to grow, they are seeking a passionate and experienced Senior Underwriter to join their dynamic team.
Role Overview:
As a Senior Underwriter, you will be responsible for assessing and underwriting credit applications for SMEs, using both traditional credit analysis and advanced fintech tools. This will be across a range of their lending products with different lending structures, so we are particularly interested in talking to people from a Commercial Banking or Structured Finance background. You will be responsible for making mandated underwriting decisions, provide mentorship to junior underwriters, and collaborate with the risk, sales, and operations teams to ensure smooth loan origination and credit decision-making. Your expertise will be crucial in balancing the needs of the business with effective risk management, ensuring sustainable growth while maintaining high standards of credit quality. As this is a small team, we need someone who is a team player and that can work collaboratively with others.
Key Requirements:
* At least 3 years of experience in credit underwriting, with a focus on commercial lending and SME lending.
* Strong knowledge of financial products tailored for SMEs, a wide range of products including property, business loans, asset finance and structured finance would be advantageous.
* In-depth knowledge of UK SME lending markets and regulations, including FCA guidelines.
* Expertise in credit analysis, financial statement interpretation, and risk assessment.
* Ability to make sound, independent decisions and justify credit risk positions to senior leadership.
* Strong problem-solving skills and the ability to work under pressure to meet deadlines.
* Excellent communication and interpersonal skills for collaboration with cross-functional teams and external stakeholders.
Benefits:
* Highly competitive salary
* Opportunities for professional development and career progression
* Fast paced, growing business with appetite to lend
* A supportive and inclusive team culture
How to Apply:
If you're passionate about fintech and eager to join a dynamic and growing company, we want to hear from you! Please attach your CV to this job posting.
Due to the high volume of applications, we will not be able to respond to every applicant.