Senior Underwriter / Head of Credit Wolverhampton Competitive salary car allowance bonus benefits A well-established SME lender is seeking a Senior Underwriter / Head of Credit to lead its credit function and oversee underwriting standards, credit policy, and sanctioning processes. This is a senior role with real influence, working closely with leadership to support growth while maintaining strong risk and compliance controls. The Role Lead and manage the credit sanctioning team, ensuring consistent decisions and SLA delivery Act as first-line approval for new loan applications and due diligence Own, review, and develop credit policy and underwriting processes Support and train underwriters and business development teams Oversee the credit journey from sanction through to loan release Work closely with portfolio and compliance teams on risk and performance Provide credit insight and reporting at leadership level About You Strong background in SME lending and credit decisioning Experience leading or mentoring underwriting teams Excellent understanding of credit risk, policy, and FCA requirements Commercial, analytical, and confident working with senior stakeholders What’s On Offer Competitive salary Car allowance mileage Bonus and enhanced pension 28 days holiday bank holidays Senior leadership role with strategic input