Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Assess and make decisions on unsecured business loan applications.
- Company: Join a respected alternative lender with nearly 40 years of experience supporting SMEs.
- Benefits: Enjoy a collaborative work environment and the chance to make a real impact.
- Why this job: Be part of a mission-driven team that values ethical lending and community support.
- Qualifications: Experience in underwriting SME loans and strong analytical skills required.
- Other info: Work three days a week in South Yorkshire, contributing to local economic growth.
The predicted salary is between 36000 - 60000 £ per year.
Location: South Yorkshire (3 days per week in the office)
Our client is a highly respected, well-established alternative lending provider with nearly four decades of experience supporting SME businesses across the North of England. With a proven track record of unlocking growth potential, safeguarding jobs and driving meaningful economic impact, they are now seeking an experienced SME/Commercial Underwriter to join their dedicated team.
About the Role:
This is a fantastic opportunity for a seasoned underwriter who thrives on navigating complex lending scenarios. You will be responsible for assessing unsecured business loan applications, often involving nuanced, non-standard cases. The ideal candidate will bring sound commercial judgement, strong analytical skills, and the confidence to make balanced lending decisions, even in challenging circumstances. Your experience and insight will help ensure that the business continues to lend responsibly and ethically, delivering tailored funding solutions that make a real difference to local SMEs.
Key Responsibilities:
- Undertake robust credit assessments on unsecured SME lending proposals
- Apply sound judgement to complex and sometimes challenging applications
- Make informed decisions, balancing risk and commercial opportunity
- Work collaboratively with Business Lending Managers to ensure clients receive appropriate funding support
- Contribute to the development and continuous improvement of underwriting standards
Key Requirements:
- Proven experience underwriting SME or commercial lending facilities, ideally unsecured loans
- A track record of handling complex cases requiring strong judgement and problem-solving
- Excellent understanding of risk, cash flow lending, and financial analysis
- Collaborative approach with excellent communication skills
- Comfortable working in the office three days per week in South Yorkshire
Why Join?
This is a unique chance to join a mission-led lender making a tangible impact on the regional SME community. You’ll work alongside a knowledgeable, supportive team in a stable, purpose-driven organisation with a strong reputation for ethical lending.
To express your interest confidentially, please get in touch for an initial discussion.
SME/Commercial Banking Underwriter employer: Fintellect Recruitment
Contact Detail:
Fintellect Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land SME/Commercial Banking Underwriter
✨Tip Number 1
Familiarise yourself with the specific lending criteria and underwriting processes used by alternative lenders. Understanding their unique approach will help you demonstrate your knowledge during any discussions or interviews.
✨Tip Number 2
Network with professionals in the SME and commercial banking sectors. Attend industry events or join relevant online forums to connect with others who can provide insights or even refer you to opportunities within the field.
✨Tip Number 3
Prepare to discuss specific examples from your past experience where you've successfully navigated complex lending scenarios. Highlighting your problem-solving skills and sound judgement will set you apart from other candidates.
✨Tip Number 4
Research the company’s mission and values, particularly their commitment to ethical lending. Being able to articulate how your personal values align with theirs can make a strong impression during your conversations.
We think you need these skills to ace SME/Commercial Banking Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in underwriting SME or commercial lending, especially focusing on any complex cases you've handled. Use specific examples to demonstrate your analytical skills and sound judgement.
Craft a Compelling Cover Letter: In your cover letter, express your passion for supporting SMEs and your understanding of the lending landscape. Mention how your experience aligns with the company's mission and values, particularly in ethical lending.
Highlight Relevant Skills: Emphasise your strong analytical skills and problem-solving abilities in your application. Provide examples of how you've made balanced lending decisions in challenging situations, showcasing your commercial judgement.
Proofread Your Application: Before submitting, carefully proofread your application for any errors or inconsistencies. A well-presented application reflects your attention to detail and professionalism, which are crucial in the underwriting role.
How to prepare for a job interview at Fintellect Recruitment
✨Showcase Your Analytical Skills
As an SME/Commercial Banking Underwriter, strong analytical skills are crucial. Be prepared to discuss specific examples of how you've assessed complex lending scenarios in the past, highlighting your ability to make informed decisions.
✨Demonstrate Commercial Judgement
The role requires sound commercial judgement, especially when navigating non-standard cases. During the interview, share instances where you balanced risk with opportunity, showcasing your decision-making process.
✨Emphasise Collaboration
Collaboration with Business Lending Managers is key in this role. Talk about your experience working in teams and how you’ve contributed to achieving common goals, ensuring clients receive the best funding support.
✨Understand the Company’s Mission
This organisation is mission-led and focused on ethical lending. Familiarise yourself with their values and be ready to discuss how your personal values align with theirs, demonstrating your commitment to making a positive impact on the SME community.
