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- Tasks: Lead a team in making impactful credit decisions and shaping credit policy.
- Company: Dynamic lending business with a collaborative leadership culture.
- Benefits: Competitive salary, pension scheme, healthcare plan, and generous annual leave.
- Why this job: Join a senior role where you can influence credit strategy and make a real difference.
- Qualifications: Experience in credit underwriting and strong leadership skills required.
- Other info: Opportunity for career growth in a supportive and evolving environment.
The predicted salary is between 36000 - 60000 £ per year.
An exciting opportunity has arisen for an experienced Senior Credit Underwriter to play a pivotal role within a growing lending business. This is a senior leadership position responsible for overseeing credit decision-making, managing a team of sanctioners, and working closely with the Head of Business Development to ensure high-quality, compliant lending delivered within agreed SLAs.
You will be instrumental in shaping credit policy, improving processes, coaching teams, and ensuring lending decisions reflect both risk appetite and the wider macro-economic environment.
- Lead and manage the team of sanctioners, ensuring consistent, robust and appropriate credit decisions.
- Act as first-line approval for progressing new loan appraisals and due diligence submitted by BDMs.
- Ensure strict adherence to credit policies, funding rules and guarantee scheme requirements.
- Review, update and enhance credit policies, procedures and loan appraisal processes.
- Keep abreast of macro-economic, political and sector-specific risks, adapting credit policy and training accordingly.
- Organise sanctioner availability to ensure SLAs for sanction and release are consistently met.
- Provide coaching, training and development to the BDM team on loan appraisals and credit quality.
- Support the Head of Business Development with the induction and training of new BDMs.
- Provide ongoing training and support to sanctioners to drive consistency and quality.
- Work closely with Portfolio Managers to review problem loans, identify learnings, and implement improvements to credit policy and processes.
- Ensure loan paperwork is prepared accurately, efficiently and within required SLAs.
- Oversee the end-to-end process from sanction through to loan release alongside the Head of Business Development.
- Ensure loans are released efficiently and in line with service standards.
- At the end of each week, document expectations for sanction and release for the following week.
About you:
- Proven experience in credit underwriting within a lending or financial services environment.
- Strong people leadership experience, including managing and developing teams.
- Excellent understanding of credit risk, loan appraisal and policy governance.
- Experience working closely with business development and portfolio management teams.
- Commercially astute with the ability to balance risk and growth.
- Highly organised with a strong focus on SLAs, process improvement and quality.
- Confident communicator, able to influence at leadership level.
Why Join?
- Excellent company benefits including - company pension scheme, 28 days annual leave, Healthcare cash plan, car allowance and discretionary bonus.
- Senior, influential role with genuine ownership of credit strategy.
- Opportunity to shape and evolve credit policy and processes.
- Collaborative leadership team and growing organisation.
- Clear visibility and impact at board/leadership level.
Credit Underwriter employer: Kate+Co
Contact Detail:
Kate+Co Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the lending and financial services sector. Attend industry events or webinars, and don’t be shy about introducing yourself. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching the company and its credit policies. Familiarise yourself with their approach to risk and growth. This will help you demonstrate your understanding of their needs and how you can contribute to their success.
✨Tip Number 3
Showcase your leadership skills! Be ready to discuss your experience in managing teams and improving processes. Use specific examples that highlight your ability to coach and develop others, as this is key for a Senior Credit Underwriter role.
✨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 candidates who are proactive and engaged with our brand. Let’s get you that dream job!
We think you need these skills to ace 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 team leadership, and don’t forget to showcase your understanding of credit risk and policy governance.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you’re the perfect fit for this role. Mention specific experiences that align with the job description, especially around managing teams and improving processes.
Showcase Your Leadership Skills: Since this is a senior position, emphasise your leadership experience. Talk about how you've successfully managed teams and influenced decision-making in previous roles. We want to see your ability to coach and develop others!
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 this exciting opportunity. We can’t wait to see what you bring to the table!
How to prepare for a job interview at Kate+Co
✨Know Your Credit Policies Inside Out
Before the interview, make sure you thoroughly understand the credit policies and procedures relevant to the role. Be prepared to discuss how you've applied these in your previous positions and how you would enhance them in this new role.
✨Showcase Your Leadership Skills
As a Senior Credit Underwriter, you'll be managing a team. Highlight your leadership experience by sharing specific examples of how you've coached and developed teams in the past. This will demonstrate your ability to lead effectively and improve team performance.
✨Stay Updated on Macro-Economic Trends
Familiarise yourself with current macro-economic conditions and how they impact credit risk. Be ready to discuss how you would adapt credit policies in response to these trends, showcasing your commercial acumen and strategic thinking.
✨Prepare Questions for the Interviewers
Think of insightful questions to ask during the interview. This could include inquiries about the company's approach to credit risk management or how they envision the role evolving. It shows your genuine interest in the position and helps you assess if it's the right fit for you.
