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- Tasks: Underwrite credit proposals and support the SME Lending team in making sound commercial decisions.
- Company: Join an award-winning UK bank committed to growth and employee wellbeing.
- Benefits: Enjoy generous holidays, hybrid working, and a range of employee discounts.
- Why this job: Be part of a friendly environment where you can grow and make a real impact.
- Qualifications: Strong experience in commercial lending and excellent communication skills required.
- Other info: Flexible working hours and a commitment to diversity and inclusion.
The predicted salary is between 36000 - 60000 £ per year.
Lets grow together! We are an experienced Senior Underwriter looking for a Platinum Investors in People employer and an award-winning UK bank, focused on growth. Our customers include savers and businesses across the UK and, working together, we use our specialist expertise to help them achieve their ambitions and build a sustainable future. If you’re looking for an opportunity to grow in a friendly environment, we’re looking for you!
We’re flexible, inclusive, committed to your wellbeing and passionate about you reaching your potential.
What You’ll Be Doing
- Underwrite new credit proposals within your personal mandate.
- Recommend new credit proposals outside of your personal mandate for submission to Senior Credit Managers.
- Preparation of credit papers for submission to Senior Credit Managers and Credit Risk.
- Overview credit proposals that are above other underwriters mandates and approve or, if not supportive, provide feedback to the underwriter.
- Ensure credit analysis of each proposal is appropriate for the level of advance and will meet the QA process.
- Provide guidance to the credit team and the wider SME business on credit policy and appetite.
- Support and assist the Senior Credit Managers and where required, deputise for them.
- Ensure annual reviews are completed accurately and on time.
- Build effective relationships within SME Lending, the Bank and attend customer visits as and when required.
- Encourage an open culture with regular two-way communication with not only the Credit team but the rest of the business including Sales, Asset Management and Collections/Recoveries.
About You
You will have strong commercial lending experience in both unsecured and secured lending and be able to demonstrate an understanding of funding a wide range of assets and lending structures. An ability to work in a direct and broker origination model to support SME Lending's internal and external sales teams and understand the different dynamics involved. Make sound commercial decisions where necessary to support the business whilst remaining within credit policy. Advanced written and presentation skills in order to produce credit papers for overview by higher mandate holders including Credit Risk.
Even if you don’t meet all the criteria, we encourage you to apply. At Paragon, we’re excited to hear from passionate individuals like you! If you’re ready to contribute to the team, please apply.
Further information on the role can be found in the Purpose and Performance Profile (PPP), which is downloadable on this page.
Please note, applicants must have the right to work in the UK. We do not offer visa sponsorship.
Working hours
This is a full-time position, Monday to Friday from 8:30 am to 5:00 pm. We offer a hybrid working model requiring a minimum of 2 days per week in our Southampton office.
Inclusion
As a Disability Confident Employer, we want to ensure that our vacancies are accessible for everyone. If you have a disability, long term health condition or are neurodiverse and need us to adjust our recruitment process please get in touch with our recruitment team.
What can we offer you?
- Generous Holiday Allowance: Starting from 27 days and climbing to 30, you also get to enjoy a day off for your birthday, Christmas Eve, and New Year’s Eve. You can also buy or sell up to a week’s leave.
- Share Save Scheme: Annually, you have the opportunity to buy shares in Paragon at a discounted rate.
- Profit Related Pay: We share some of our annual profit with our eligible employees.
- Pension Plan: We contribute up to 10% of your annual salary towards your pension.
- Family Friendly policies: We offer enhanced parental pay and paid time off for fertility treatment.
- Employee Discounts: Enjoy exclusive discounts on entertainment, travel, shopping, motoring and more.
- Volunteering Day: Contribute to causes you care about with one volunteering day per year.
- Life Assurance and Personal Accident Cover.
Be flexible
We promote flexibility around how and where we work so that you can achieve a healthier work-life balance. We operate hybrid working, splitting our week between the office and home.
Be yourself
As an equal opportunities employer, we welcome diversity and care about inclusion. That’s why we want you to be your whole self at work. We believe an inclusive workplace is good for each of us, great for our customers and better for our business. Our Equality, Diversity and Inclusion Network meets regularly to share challenges, experience, and ideas to build a more equal, diverse, and inclusive business.
Be heard
We listen to your point of view, with our People Forum and regular employee surveys making sure you can use your voice and influence our future.
Be well
We will give you access to a range of tools and resources to support your wellbeing. This will include a digital GP service via our free Employee Assistance Programme, access to our Wellbeing team to connect you with the help you need to get more out of life and our Vitality at Work programme to provide you with discounted gym membership, fitness equipment and another multitude of wellbeing services.
Be better
We want you to reach your potential and, as a Platinum Investors in People employer, we’ll encourage you to learn and develop by building a personalised development plan together with your manager.
Senior Underwriter in Southampton employer: Grenadier Holdings
Contact Detail:
Grenadier Holdings Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Underwriter in Southampton
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant online groups, and don’t be shy about reaching out to current employees at the bank. Building relationships can open doors that a CV just can't.
✨Ace the Interview
Prepare for your interview by researching common questions for Senior Underwriters and practising your answers. Use the STAR method (Situation, Task, Action, Result) to structure your responses and showcase your experience effectively.
✨Show Your Passion
When you get the chance to chat with potential employers, let your enthusiasm shine through! Talk about why you’re excited about the role and how you can contribute to their goals. A genuine passion can set you apart from other candidates.
✨Follow Up
After your interview, don’t forget to send a thank-you email! It’s a great way to express your appreciation for the opportunity and reiterate your interest in the position. Plus, it keeps you fresh in their minds as they make their decision.
We think you need these skills to ace Senior Underwriter in Southampton
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Senior Underwriter role. Highlight your commercial lending experience and any relevant skills that match the job description. We want to see how you can contribute to our team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your experience aligns with our values. Remember, we love seeing enthusiasm for growth and collaboration.
Showcase Your Writing Skills: Since advanced written skills are key for this position, make sure your application is clear, concise, and free of errors. This is your opportunity to demonstrate your ability to produce high-quality credit papers.
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 friendly environment!
How to prepare for a job interview at Grenadier Holdings
✨Know Your Numbers
As a Senior Underwriter, you'll need to demonstrate your strong commercial lending experience. Brush up on key metrics and case studies related to both unsecured and secured lending. Be ready to discuss how you've made sound commercial decisions in the past.
✨Prepare Your Credit Papers
Since you'll be preparing credit papers for submission, practice summarising complex information clearly and concisely. Bring examples of credit proposals you've worked on, and be prepared to explain your thought process behind them.
✨Build Relationships
This role involves collaboration with various teams. Think about how you can showcase your ability to build effective relationships. Prepare examples of how you've fostered open communication and teamwork in previous roles.
✨Show Your Flexibility
With a hybrid working model, it's important to show that you're adaptable. Discuss your experience with remote work and how you manage your time effectively. Highlight any strategies you use to maintain productivity while working from home.
