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- Tasks: Assess and underwrite credit applications for SMEs using advanced fintech tools.
- Company: Innovative alternative finance lender empowering small businesses.
- Benefits: Highly competitive salary, professional development, and a supportive team culture.
- Why this job: Join a dynamic team and make a real impact in the fintech industry.
- Qualifications: 2+ years in credit underwriting with strong analytical skills.
- Other info: Fast-paced environment with excellent career progression opportunities.
The predicted salary is between 36000 - 60000 £ per year.
Our client is an established, innovative and rapidly growing Alternative Finance lender dedicated to empowering small and medium-sized enterprises (SMEs) with the funding they need to grow and succeed. With a commitment to offering transparent and customer-centric solutions, they are disrupting the traditional lending industry and providing fast, flexible, and accessible financing to SMEs across the UK. As they continue to grow, they are seeking a passionate and experienced Credit Underwriter to join their dynamic team.
Role Overview:
As a Senior Credit Underwriter, you will be responsible for assessing and underwriting credit applications for SMEs, using both traditional credit analysis and advanced fintech tools. This will be across a range of their commercial finance lending products, but with a particular focus on their Term Loan product. You will be responsible for making mandated underwriting decisions, provide mentorship to junior underwriters, and collaborate with the risk, sales, and operations teams to ensure smooth loan origination and credit decision-making. Your expertise will be crucial in balancing the needs of the business with effective risk management, ensuring sustainable growth while maintaining high standards of credit quality. As this is a small team, we need someone who is a team player that can work collaboratively with others and willingness to come into the office.
Key Requirements:
- 2+ years of experience in credit underwriting, with a focus on commercial lending and SME lending.
- Expertise in credit analysis, financial statement interpretation, and risk assessment.
- Ability to make sound, independent decisions and justify credit risk positions to senior leadership.
- Strong problem-solving skills and the ability to work under pressure to meet deadlines.
- Excellent communication and interpersonal skills for collaboration with cross-functional teams and external stakeholders.
Opportunities:
- Highly competitive salary
- Opportunities for professional development and career progression
- Fast paced, growing business with appetite to lend
- A supportive and inclusive team culture
How to Apply:
If you are passionate about fintech and eager to join a dynamic and growing company, we want to hear from you! Please attach your CV to this job posting. Due to the high volume of applications, we will not be able to respond to every applicant.
Senior Credit Underwriter in London employer: Fintellect Recruitment
Contact Detail:
Fintellect Recruitment 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 finance industry, especially those who work in credit underwriting. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your credit analysis skills. Be ready to discuss your experience with commercial lending and how you've made sound decisions in the past. We want you to shine!
✨Tip Number 3
Show off your problem-solving skills! During interviews, share specific examples of how you've tackled challenges in credit underwriting. This will demonstrate your ability to thrive under pressure.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing passionate candidates who are eager to join our dynamic team.
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 experience in credit underwriting and any specific achievements in commercial lending. We want to see how your skills align with what we're looking for!
Showcase Your Skills: Don’t just list your skills; demonstrate them! Use examples from your past work to show how you've successfully assessed credit applications or collaborated with teams. This helps us see you in action!
Be Clear and Concise: When writing your application, keep it clear and to the point. We appreciate straightforward communication, so avoid jargon unless it's relevant. Make it easy for us to understand your qualifications!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications better and ensures you don’t miss out on any important updates. We can’t wait to hear from you!
How to prepare for a job interview at Fintellect Recruitment
✨Know Your Numbers
As a Senior Credit Underwriter, you'll need to demonstrate your expertise in credit analysis and financial statement interpretation. Brush up on key financial metrics and be ready to discuss how you assess credit risk using both traditional methods and fintech tools.
✨Showcase Your Decision-Making Skills
Prepare examples of past underwriting decisions you've made, especially those that required independent judgement. Be ready to explain your thought process and how you justified your credit risk positions to senior leadership.
✨Emphasise Team Collaboration
This role requires working closely with various teams. Think of instances where you've successfully collaborated with sales, risk, or operations teams. Highlight your communication skills and how you foster teamwork to achieve common goals.
✨Stay Calm Under Pressure
The ability to work under pressure is crucial in this fast-paced environment. Prepare to discuss how you've managed tight deadlines in the past and what strategies you use to maintain quality while working quickly.
