At a Glance
- Tasks: Lead underwriting on deals, assess risk, and structure approvals for fast-paced funding.
- Company: Elect Capital, a dynamic company disrupting traditional finance for ambitious UK businesses.
- Benefits: Competitive salary, immediate impact, ownership of work, and growth opportunities.
- Other info: Fast-paced environment with a focus on teamwork and continuous improvement.
- Why this job: Join a mission-driven team that values clarity, speed, and practical thinking.
- Qualifications: Experience in underwriting, strong organisational skills, and a commercial mindset.
The predicted salary is between 50000 - 65000 £ per year.
Elect Capital backs ambitious UK businesses with capital that cuts through the noise. Built for speed, edge and action, we deliver funding where others stall. We’re not here to reinvent lending – we’re here to do it better. We move at the pace of our clients and connect them to capital that works. Elect offers 1–6 month fixed‑term business finance with daily or weekly repayments and fast, transparent decisions. 90% of completed applications receive an offer within 4 hours – with clear pricing, no unnecessary hurdles, and a team that knows how to get deals done. Whether a client applies directly or via a broker, we aim to make the funding journey sharp, clean and simple.
OUR MISSION We are on a mission to back ambition. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.
OUR VALUES
- C.O.R.E
- Challenge – Ask the hard questions. Improve what you touch.
- Opportunity – Spot it. Shape it. Run with it.
- Resilience – Stay steady. Adapt fast. Keep momentum.
- Edge – Think sharp. Move sharp. Stand out.
We hire people who act fast, think commercially, and bring clarity to everything they do.
THE PERFECT FIT We’re not a coasting kind of company. Elect is fast, challenging and focused – and we love it that way. Things move quickly here, and the bar is high. If you thrive in that kind of environment, you'll do well. To thrive at Elect, you’ll need:
- A sharp mind and a strong work ethic
- The ability to stay calm, focused and accurate under pressure
- A natural instinct to spot issues, fix them fast, and always look for a better way
- Resilient and a team‑first mentality – we challenge each other daily, but we back each other even harder
- A bias for clarity, action and ownership
- A desire to go beyond the job description and raise the bar
THE ROLE We’re looking for a sharp, decisive & experienced Senior Underwriter to take ownership of credit decisions across our deal flow. You’ll assess risk, structure approvals, and work closely with sales, ops, and credit to move good deals fast — and stop bad ones faster. This is a high‑impact role where commercial instinct, precision, and pace are essential.
KEY RESPONSIBILITIES
- Lead underwriting on deals from £25k–£750k
- Analyse financials, bank data, and open banking feeds to assess creditworthiness
- Apply credit risk policies while spotting smart exceptions
- Structure offers that balance speed, risk, and commercial value
- Work closely with the sales team to support fast decisions and clean execution
- Escalate and advise on edge cases and complex scenarios
- Maintain underwriting documentation and CRM accuracy
- Coach junior underwriters and support continuous credit policy refinement
WHAT WE’RE LOOKING FOR
- Highly organised — nothing gets missed, nothing gets dropped
- Thrives in fast‑paced environments with multiple moving parts
- Clear, professional communicator with a commercial edge
- Self‑starter who stays aligned with team goals
BONUS Experience in unsecured, short‑term SME underwriting.
OUR OFFER
- A fast, focused environment where your impact is immediate
- Ownership over your work and a voice in how we improve
- Opportunities to grow with a company that’s scaling quickly
- A team that values clarity, pace, and practical thinking
- Competitive salary and path for progression
- A chance to contribute to a mission driven company
Think you’re a fit? Let’s talk.
Senior Underwriter employer: Elect Capital
Elect Capital is an exceptional employer for those seeking a dynamic and fast-paced work environment where ambition is not just encouraged but celebrated. With a strong focus on employee growth, competitive salaries, and a culture that values clarity and action, team members are empowered to make impactful decisions and contribute to a mission-driven company. Located in the heart of the UK, Elect offers unique opportunities to engage with ambitious businesses and be part of a team that thrives on challenge and innovation.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Underwriter
✨Tip Number 1
Network like a pro! Get out there and connect with people in the finance industry. Attend events, join online forums, and don’t be shy about reaching out on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its values. Understand Elect Capital’s mission to back ambition and how they disrupt traditional finance. Tailor your answers to show how you embody their C.O.R.E values and can thrive in a fast-paced environment.
✨Tip Number 3
Practice your pitch! Be ready to explain why you’re the perfect fit for the Senior Underwriter role. Highlight your experience in assessing risk and making quick decisions. Show them you can keep up with their pace and bring clarity to complex situations.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you’re serious about joining the team at Elect Capital. Let’s get you that interview!
We think you need these skills to ace Senior Underwriter
Some tips for your application 🫡
Show Your Sharp Mind:When you're writing your application, make sure to highlight your sharp mind and strong work ethic. We want to see how you think commercially and how you tackle challenges head-on.
Be Clear and Concise:Clarity is key! Keep your application straightforward and to the point. We appreciate a clean presentation of your skills and experiences that align with our fast-paced environment.
Demonstrate Resilience:Share examples of how you've stayed calm and focused under pressure. We love candidates who can adapt quickly and keep momentum, so let us know how you've done this in your past roles.
Apply Through Our Website:Don't forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. We can't wait to see what you bring to the table!
How to prepare for a job interview at Elect Capital
✨Know Your Numbers
As a Senior Underwriter, you'll need to demonstrate your ability to analyse financials and assess creditworthiness. Brush up on key financial metrics and be ready to discuss how you would evaluate a business's financial health. This shows you’re not just familiar with the numbers but can also apply them in real scenarios.
✨Showcase Your Commercial Instinct
Elect Capital values a sharp mind and commercial edge. Prepare examples from your past experiences where you made quick, informed decisions that positively impacted the business. Highlighting your ability to spot opportunities and risks will resonate well with the interviewers.
✨Emphasise Teamwork and Resilience
The role requires a team-first mentality and resilience under pressure. Be ready to share stories about how you've collaborated with others to overcome challenges or how you maintained focus during high-stress situations. This will illustrate that you can thrive in their fast-paced environment.
✨Ask Insightful Questions
Prepare thoughtful questions that reflect your understanding of Elect Capital’s mission and values. Inquire about their approach to underwriting or how they handle edge cases. This not only shows your interest in the role but also aligns with their value of challenging the status quo.
