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For Companies At a Glance
- Tasks: Assess and analyse SME loan applications while mentoring junior underwriters.
- 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: Shape credit philosophy and make a real impact in a growing business.
- Qualifications: 4+ years of SME lending experience and strong analytical skills.
- Other info: Fast-paced environment with opportunities for professional growth.
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 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
✨Tip Number 1
Network like a pro! Reach out to your connections in the financial services sector, especially those who know about credit underwriting. A friendly chat can lead to insider info on job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills and understanding of SME lending. Be ready to discuss your previous experiences with credit sign-off mandates and how you’ve contributed to process improvements.
✨Tip Number 3
Showcase your mentoring abilities! If you’ve helped junior underwriters in the past, share those stories during interviews. It’s a great way to demonstrate your leadership potential and fit for the team.
✨Tip Number 4
Don’t forget to apply through our website! We’re always on the lookout for talented individuals like you, and applying directly can give you an edge. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Senior Credit Underwriter
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 what we're looking for!
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. We love a good story!
Showcase Your Communication Skills: Since strong written and verbal communication skills are key, make sure your application reflects this. Be clear and concise in your writing, and don’t hesitate to show off your confidence in presenting findings.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you don’t miss out on any important updates. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at ACS Recruitment Solutions Ltd
✨Know Your Credit Policies
Make sure you’re well-versed in the company’s credit policies and procedures. Brush up on SME lending practices, as well as asset finance and property development products. This will help you articulate your understanding during the interview.
✨Showcase Your Analytical Skills
Prepare to discuss your analytical abilities by bringing examples of how you've assessed loan applications in the past. Be ready to explain your thought process and how you arrived at your decisions, especially in challenging cases.
✨Demonstrate Leadership Qualities
Since mentoring junior team members is part of the role, think of instances where you’ve taken on a leadership role. Share specific examples of how you’ve guided others or contributed to team success, highlighting your ability to influence and inspire.
✨Engage with the Interviewers
During the interview, actively participate in discussions about credit strategy and operational efficiency. Ask insightful questions that show your interest in the company’s growth and your eagerness to contribute to their objectives.
