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For Companies At a Glance
- Tasks: Assess and analyse SME loan applications, mentor junior underwriters, and shape credit philosophy.
- Company: Dynamic financial services business in North West London with a collaborative culture.
- Benefits: 25 days annual leave, excellent transport links, and a chance to influence credit strategy.
- Why this job: Join a growing team and make a real impact on credit decisioning and operational efficiency.
- Qualifications: Minimum 4 years’ SME lending experience and strong analytical skills required.
- Other info: Fast-paced environment with opportunities for professional growth and development.
The predicted salary is between 36000 - 60000 £ per year.
Location: Finchley Road, North West London
Salary: Market-related, dependent on experience
Job Type: Permanent | Full-Time
Start Date: ASAP
Overview
We are working with a growing and entrepreneurial financial services business based on Finchley Road, London, who are looking to appoint a Senior Credit Underwriter to join their expanding Credit team. This is a key role within the business, offering exposure across unsecured and secured SME lending, with additional involvement in asset finance and property development products. You will play an active role in shaping credit philosophy, supporting operational efficiency, and mentoring junior team members. Reporting directly to the Head of Credit, successful candidates will be granted a credit sign-off mandate and will contribute to streamlining end-to-end credit decisioning.
Key Responsibilities
- Assess and analyse SME loan applications for serviceability and affordability in line with credit policy
- Conduct second-line reviews as part of a four-eyes underwriting process
- Provide accurate reporting and analysis on non-performing loans, feeding back to senior management
- Actively participate in monthly Credit Committee meetings, clearly articulating credit decisions and risk appetite
- Contribute to continuous process improvement, including the adoption of advanced technology solutions
- Support day-to-day underwriting operations to ensure service level agreements (SLAs) are met
- Assist with the development, guidance, and mentoring of junior underwriters
The Ideal Candidate
- Minimum of 4 years’ SME lending experience
- Previous credit sign-off mandate essential
- Self-motivated, resilient, and able to work under pressure
- Strong written and verbal communication skills
- Excellent analytical ability with the confidence to present findings to stakeholders at all levels
- Commercially minded with a growth mindset
- Comfortable operating in a fast-paced, evolving business environment
Benefits
- Permanent, full-time position
- 25 days annual leave
- Office-based role on Finchley Road, NW London
- Excellent transport links (Metropolitan, Jubilee, Thameslink & Overground)
- Opportunity to influence credit strategy within a growing business
- Collaborative and entrepreneurial working environment
Senior Credit Underwriter in London employer: ACS Recruitment Solutions Ltd
Contact Detail:
ACS Recruitment Solutions Ltd Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Underwriter in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who might know about opportunities in credit underwriting. A friendly chat can sometimes lead to job openings that aren't even advertised.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of SME lending and credit policies. We recommend practising common interview questions and scenarios related to credit decisioning so you can showcase your expertise confidently.
✨Tip Number 3
Don’t underestimate the power of follow-ups! After an interview, drop a quick thank-you email to express your appreciation and reiterate your interest in the role. It keeps you fresh in their minds and shows your enthusiasm.
✨Tip Number 4
Apply through our website for the best chance at landing that Senior Credit Underwriter role. We’re always on the lookout for passionate candidates, and applying directly helps us see your application first!
We think you need these skills to ace Senior Credit Underwriter in London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Credit Underwriter role. Highlight your SME lending experience and any previous credit sign-off mandates. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for our team. Mention your analytical abilities and how you can contribute to our credit philosophy. Let us know what excites you about this opportunity!
Showcase Your Communication Skills: Strong written communication is key in this role. Make sure your application is clear, concise, and free of jargon. We appreciate candidates who can articulate their thoughts effectively, so let your personality come through!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Plus, we love seeing applications come in through our own platform!
How to prepare for a job interview at ACS Recruitment Solutions Ltd
✨Know Your Credit Policies
Before the interview, make sure you thoroughly understand the credit policies relevant to SME lending. Familiarise yourself with the nuances of both secured and unsecured loans, as well as asset finance and property development products. This knowledge will help you articulate your insights during discussions.
✨Prepare for Scenario Questions
Expect scenario-based questions that assess your analytical skills and decision-making process. Think of examples from your past experience where you successfully assessed loan applications or improved processes. Be ready to explain your thought process and the outcomes of your decisions.
✨Showcase Your Mentoring Skills
Since mentoring junior team members is part of the role, prepare to discuss your experience in guiding others. Share specific examples of how you've supported colleagues in their development and how you can contribute to a collaborative environment within the team.
✨Articulate Your Growth Mindset
The company values a growth mindset, so be prepared to discuss how you adapt to change and embrace new challenges. Share instances where you've contributed to process improvements or adopted new technologies, highlighting your proactive approach to enhancing operational efficiency.
