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- Tasks: Assess SME lending applications and make sound credit decisions.
- Company: Leading international finance provider with a collaborative culture.
- Benefits: Competitive salary, discretionary bonus, excellent benefits, and hybrid working.
- Other info: Opportunity for career development in a dynamic environment.
- Why this job: Join a forward-thinking team and make a real impact on SME growth.
- Qualifications: Experience in SME credit underwriting and strong analytical skills.
The predicted salary is between 36000 - 60000 £ per year.
Job Description
Credit Underwriter – SME Lending FTC
Location: Bracknell (Hybrid – 2 days WFH)
Are you a skilled Credit Underwriter Our client, a leading international finance provider, is seeking a an experienced Senior Underwriter to join their growing underwriting team in Bracknell.
This is an exciting opportunity to play a pivotal role in assessing credit risk and enabling sustainable growth for SMEs
The Role
Assess SME lending applications, using both data and judgment to make sound credit decisions.
Act as the expert on SME risk, ensuring robust, market-relevant underwriting.
Analyse financial statements and spot risks early, applying a rigorous, solutions-focused approach.
Collaborate with product, sales, operations, and risk teams to balance commercial and credit quality goals.
Help refine underwriting processes, introducing automation and improving decision-making speed.
About You
Experienced in SME credit underwriting (bank, fintech, or leasing company preferred).
Strong knowledge of financial and non-financial SME risk factors.
Excellent attention to detail with the ability to analyse data and financial statements.
Strong communication skills – able to explain decisions clearly to stakeholders.
Comfortable using Excel/databases to support credit analysis.
Desirable: Experience in asset-backed financing or leasing; SQL knowledge.
Benefits
Competitive salary discretionary bonus
Excellent benefits package (pension, medical cover, death in service, enhanced annual leave)
Hybrid working – 2 days from home per week
Opportunity to join a forward-thinking, collaborative team
Please note:
As you can appreciate we are currently overwhelmed with applications of individuals looking for both short term and permanent work and we can therefore only contact those applications that have relevant skills for positions that we currently have available. Should you not hear from us within a week, please assume you have been unsuccessful on this occasion.
In line with GDPR regulations, we are making you aware that to proceed with your application we will need to contact you via email, telephone and/or text message. To receive future job alerts from us, you will be required to provide consent within our marketing preference options. The link will be provided in an email to you. Source4 are an equal opportunities employer and complies with all relevant UK legislation. If you are successful in your application, you will be required to attend a full registration with one of our Consultants which will involve you providing a current passport, any relevant visas, a proof of address and completing relevant tests and a full competency based interview.
Credit Underwritter employer: Source4 Personnel Solutions
Contact Detail:
Source4 Personnel Solutions Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Underwritter
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance industry, especially those in SME lending. A friendly chat can lead to insider info about job openings that aren't even advertised yet.
✨Tip Number 2
Prepare for interviews by brushing up on your credit analysis skills. Be ready to discuss how you assess risk and make decisions. We want to see your thought process, so practice explaining your approach clearly.
✨Tip Number 3
Showcase your expertise! When you get the chance, share examples of how you've improved underwriting processes or made impactful decisions in previous roles. This will help us see your value right away.
✨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 take the initiative to connect directly with us.
We think you need these skills to ace Credit Underwritter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Underwriter role. Highlight your experience in SME credit underwriting and any relevant skills that match the job description. We want to see how you can bring value 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 background makes you a perfect fit. We love seeing genuine enthusiasm for the position.
Showcase Your Analytical Skills: Since the role involves analysing financial statements, make sure to mention any specific tools or methods you use for data analysis. We’re keen on candidates who can demonstrate a rigorous, solutions-focused approach.
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 the role. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Source4 Personnel Solutions
✨Know Your Numbers
As a Credit Underwriter, you'll need to be comfortable with financial statements. Brush up on your ability to analyse data and spot risks. Practise explaining your thought process behind credit decisions, as this will show your analytical skills during the interview.
✨Understand SME Risk Factors
Familiarise yourself with both financial and non-financial risk factors that affect SMEs. Be prepared to discuss how these factors influence your underwriting decisions. This knowledge will demonstrate your expertise and commitment to the role.
✨Communicate Clearly
Strong communication skills are essential for this position. Practise articulating your decisions and rationale clearly, as you’ll need to explain complex concepts to various stakeholders. Consider doing mock interviews to refine your delivery.
✨Showcase Your Tech Savvy
Since the role involves using Excel and possibly SQL, make sure you're comfortable with these tools. Be ready to discuss how you've used technology to improve decision-making or streamline processes in your previous roles. This will highlight your ability to adapt and innovate.