At a Glance
- Tasks: Lead a team in assessing and underwriting secured loans for diverse businesses.
- Company: A dynamic SME lender focused on responsible finance and innovation.
- Benefits: Pension, healthcare, bonus, and hybrid working options.
- Other info: Collaborative environment with direct access to senior decision-makers.
- Why this job: Shape the future of lending while making a real impact on businesses.
- Qualifications: Proven experience in UK commercial secured lending and strong leadership skills.
The predicted salary is between 60000 - 75000 £ per year.
Location: Kent – hybrid working, 2 days in the office
The Business
Our client is a specialist SME / Commercial lender focused on responsible, relationship-led finance – a growing, stable, established, innovative and flexible business. They offer secured loans, with funds available for any credible business purpose.
Summary
You’ll join a collaborative team, with direct exposure to senior decision-makers, an opportunity to shape the evolution of the credit function as the business grows, as well as the satisfaction of providing real-economy lending with long term impact. Our client is looking for a motivated Senior Credit Underwriter with proven experience of underwriting UK commercial secured lending across a wide variety of sectors. This is a new role that will supervise a small team of underwriters assessing and processing secured term loans funding a wide variety of assets up to £10m. You will report to the Head of Credit and deputise for them, as well as working closely with the Credit Committee and ExCo in order to grow the business.
Role Overview
The Senior Credit Underwriter will be pivotal in maintaining the quality, consistency, and integrity of lending decisions. You will combine hands-on underwriting of secured term loans with leadership across complex cases, mentoring of underwriters and a meaningful input into the credit policy, and active engagement with the Credit Committee to drive sustainable portfolio growth. This is a senior, decision-led credit role with genuine influence over outcomes.
Core Underwriting Responsibilities
- Assess, structure, and underwrite secured term loan applications in line with lending policy and risk appetite
- Analyse borrower financial statements, cash flows, affordability, and sensitivity cases; produce clear, balanced credit recommendations
- Review and challenge valuations and legal security structures to ensure adequacy of collateral, priority and enforceability
- Produce high-quality credit papers using standard formats and templates
- Senior ability to stress test and articulate sensitivities
- Experience reviewing valuations and legal security, with sound understanding of priority, LTV, covenants, and enforcement
- Ability to produce clear, well-reasoned written credit recommendations and communicate decisions credibly
- High attention to detail, organisation, and the ability to manage multiple cases concurrently in a decisive and commercially astute manner
- Ability to develop strong working relationships with all stakeholders
- Proficiency in Microsoft Word and Excel
Desirable Experience benefits include pension, healthcare and bonus. There’s lots more to tell! Please apply with your CV and/or contact chris.notley@chamberlaincareers.com to schedule an initial conversation and receive a full job description.
Senior Credit Underwriter - Commercial Lending employer: Chamberlain Career Management
Join a leading specialist bank in London, where you will thrive in a dynamic and supportive work culture that prioritises personal and professional growth. As the Head of Portfolio Management, you will benefit from competitive compensation, comprehensive benefits, and the opportunity to shape the future of real estate finance while working alongside a dedicated team committed to excellence and innovation.
Contact Details:
Chamberlain Career Management Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Underwriter - Commercial Lending
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We think you need these skills to ace Senior Credit Underwriter - Commercial Lending
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Chamberlain Career Management.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Chamberlain Career Management's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Chamberlain Career Management
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Chamberlain Career Management.
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✨Network with Industry Professionals
Before your interview, reach out to current or former Chamberlain Career Management employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
