At a Glance
- Tasks: Assess and underwrite SME loan applications while improving credit processes.
- Company: Join a fast-growing fintech team shaping the future of lending.
- Benefits: Competitive salary, flexible work environment, and opportunities for growth.
- Other info: Collaborate with diverse teams to enhance customer experiences and risk models.
- Why this job: Make impactful decisions in a dynamic role that drives innovation in finance.
- Qualifications: 2-4 years in SME lending with strong analytical skills.
The predicted salary is between 40000 - 50000 £ per year.
We're looking for an ambitious Credit Analyst / Underwriter to join a growing team and play a key role in scaling our lending operations.
This is an opportunity for someone with experience in SME lending who wants more than just processing applications.
You'll be joining at an early stage, working closely with leadership to shape credit strategy, improve underwriting processes, and help build a best-in-class risk function.
You’ll take ownership of credit assessments from application through to decision, using financial analysis, commercial judgement, and data‑driven insights to evaluate SME borrowers.
As part of a lean and fast‑moving team, you’ll also contribute to improving workflows, refining risk frameworks, and helping automate credit decisioning processes as we continue to scale.
Main Duties
- Assess and underwrite SME loan applications, making timely and informed lending decisions.
- Analyse financial statements, bank transactions, credit reports, and other relevant data to evaluate creditworthiness.
- Manage the end‑to‑end application process from initial review through to decision.
- Monitor the performance and health of the existing lending portfolio, identifying potential risks and early warning signs.
- Identify opportunities to improve underwriting workflows, processes, and decision‑making efficiency.
- Contribute to the development and refinement of credit policies, scorecards, and risk frameworks.
- Collaborate with Sales, Product, Data, and Engineering teams to deliver a smooth customer journey.
- Provide insights and feedback to support automation initiatives and enhance risk models.
- Support reporting and analysis of portfolio performance and credit risk trends.
- Help build and scale credit operations within a fast‑growing fintech environment.
- 2–4 years’ experience underwriting SME lending applications.
- Previous experience working for a UK fintech lender.
- Strong understanding of data‑driven credit assessment and risk analysis.
- Ability to assess financial statements, bank transactions, and credit reports.
- Experience managing a high volume of applications and making sound credit decisions.
- Strong analytical and problem‑solving skills.
- Self‑motivated with the ability to work independently in a fast‑paced, evolving environment.
- Excellent communication skills, with the ability to clearly explain credit decisions to stakeholders
If this role could be of interest please apply today and someone will be in touch to discuss your application.
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StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Underwriter in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Exalto Consulting. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Underwriter in London
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 Exalto Consulting.
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 Exalto Consulting'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 Exalto Consulting
✨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 Exalto Consulting.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Exalto Consulting will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Exalto Consulting 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.
