Job Title: Senior Corporate Underwriter
Location: Bristol (minimum 1 day per week on-site, typically Monday)
Salary: £40k
Role Overview
The Senior Corporate Underwriter plays a critical role in evaluating and approving complex corporate and high-value credit applications. This role focuses on detailed analysis, comprehensive reporting, and sound decision-making in line with business, regulatory, and risk frameworks.
Key Responsibilities
* Assess and approve corporate and high-value customer credit applications within delegated authority.
* Conduct detailed credit analysis for applications typically ranging from £1m to £25m, including corporate entities, small companies, and high-net-worth individuals.
* Produce clear, well-structured credit reports that explain financial context, risks, and decision rationale.
* Maintain robust audit trails, ensuring compliance with onboarding, origination, and due diligence procedures.
* Monitor operational processes and standard operating procedures, recommending improvements to enhance efficiency and governance.
* Support competence development across the credit and onboarding functions.
* Collaborate with internal stakeholders to resolve issues and escalate risks where required.
* Participate in ad-hoc projects and process reviews to improve the end-to-end client experience.
Required Skills and Competencies
* Strong analytical and critical thinking skills with a focus on financial data and company accounts.
* In-depth understanding of credit risk, corporate structures, and complex lending.
* Ability to produce detailed written reports and communicate findings effectively.
* Attention to detail and proactive prioritization of tasks.
* Strong relationship management and customer service orientation.
* Ability to work independently and under pressure while maintaining high standards.
* Commercial awareness and sound judgment in decision-making.
Experience and Qualifications
* Proven experience in corporate credit underwriting, corporate credit analysis, or finance/accounting roles.
* Exposure to complex corporate lending decisions and larger credit applications.
* Knowledge of UK regulated finance and risk frameworks desirable.
* Education in finance, accounting, business management, or law advantageous but not essential.
* Proficiency in MS Office, financial databases, and specialized underwriting software.
Values and Conduct
* Demonstrates professionalism, integrity, and honesty in all work activities.
* Embodies company values including collaboration, authenticity, curiosity, and commitment.
* Adheres to regulatory standards and conduct codes, promoting a strong risk culture throughout the organization.
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