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- Tasks: Assess and underwrite credit applications for SMEs using advanced fintech tools.
- Company: Innovative alternative finance lender disrupting the traditional lending industry.
- Benefits: Highly competitive salary, professional development, and a supportive team culture.
- Why this job: Join a dynamic team and make a real impact on SME growth.
- Qualifications: 2+ years in credit underwriting with strong analytical and decision-making skills.
- Other info: Fast-paced environment with excellent career progression opportunities.
The predicted salary is between 36000 - 60000 £ per year.
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Direct message the job poster from Fintellect Recruitment
Director | Headhunter | Commercial Finance Recruitment
Job Title: Senior Credit Underwriter
Location: Office Based – NW, London
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.
- 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\’re 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.
Seniority level
- Mid-Senior level
Employment type
- Full-time
Job function
- Finance and Other
Industries
- Financial Services and Banking
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Senior Credit Underwriter employer: Fintellect Recruitment
Contact Detail:
Fintellect Recruitment 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 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. Show them you’re the perfect fit for their team!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values. If you’re passionate about empowering SMEs, make sure to highlight that in conversations. It shows you’re genuinely interested in their mission.
✨Tip Number 4
Use our website to apply directly! It’s a great way to ensure your application gets noticed. Plus, it gives you a chance to showcase your enthusiasm for the role and the company right from the start.
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 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!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about fintech and how you can contribute to our team. Keep it concise but impactful – we love a good story that showcases your expertise.
Showcase Your Problem-Solving Skills: In your application, don’t forget to mention specific examples of how you've tackled challenges in previous roles. We value strong problem-solving skills, especially under pressure, so let us know how you’ve excelled in this area!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our innovative team!
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 risk in different scenarios. This will show that you can make sound, independent decisions.
✨Showcase Your Problem-Solving Skills
Prepare examples of how you've tackled complex underwriting challenges in the past. Think about specific situations where you had to work under pressure to meet deadlines. This will highlight your ability to thrive in a fast-paced environment, which is crucial for this role.
✨Emphasise Team Collaboration
Since this role requires working closely with cross-functional teams, be ready to share experiences where you've successfully collaborated with others. Highlight your communication skills and how you’ve mentored junior underwriters, as this will resonate well with the company’s team culture.
✨Understand the Company’s Vision
Research the company’s approach to lending and their commitment to SMEs. Be prepared to discuss how your values align with theirs and how you can contribute to their mission of providing transparent and customer-centric solutions. This shows genuine interest and enthusiasm for the role.
