Senior Credit Underwriter - SME Finance Job London area,Greater London England UK,Finance & Banking

Location: Greater London

An established, successful, dynamic SME and Real Estate Finance lender who have recently embarked on a substantial UK wide growth and expansion programme
By combining technology with some good common sense, they take a personalised approach to business lending
Their lending decisions are often bespoke and it’s this personal touch that makes them different
A small, ambitious team with diverse backgrounds working in a non-corporate, social environment
They support each other, learn from each other, and have a lot of fun along the way

The Role

As a senior credit underwriter, you will be an integral part of the credit underwriting team and contribute to the credit philosophy of the business
You will be joining a growing team with an entrepreneurial, commercial mindset and make-work attitude
You will focus on unsecured and secured SME business loans (with possible exposure if appropriate to Real Estate and Asset Finance transactions)
Successful applicants will be granted a sign-off mandate and be expected to contribute towards streamlining the end-to-end processing of credit decisioning and development of junior team members

Key Responsibilities

Assess complex credit applications to determine serviceability, affordability, and alignment with the company’s lending policies and risk appetite
Conduct in-depth reviews of borrower financials, credit history, security, and repayment capacity across a range of lending scenarios
Identify and mitigate credit risks through sound judgement, data analysis, and consistent application of underwriting standards
Perform second-level reviews of credit decisions made by junior or peer underwriters as part of the formal four-eye process
Provide constructive feedback and challenge where necessary to uphold credit quality and ensure consistency across the team
Support the development and coaching of junior team members through review discussions and knowledge sharing
Investigate and analyse the root causes of non-performing loans or arrears cases
Prepare clear, data-backed reports offering insights and recommendations for policy or procedural adjustments
Collaborate with Risk and Collections teams to track early warning signs and portfolio trends
Play a key role in monthly Credit Committee meetings, presenting cases, defending decisions, and contributing to broader credit strategy discussions
Articulate underwriting decisions and portfolio insights to senior leadership
Maintain strong relationships with internal stakeholders, including Sales, Risk, and Legal, to support commercially sound and risk-aligned lending
Identify opportunities to enhance the underwriting process through automation, data tools, or revised workflows
Contribute to testing, implementing, and embedding new credit systems or technology solutions
Help build scalable, consistent underwriting frameworks that support both volume growth and credit discipline
Provide support to ensure the credit team meets service level agreements (SLAs) and turnaround expectations for deal reviews
Prioritise workload to balance commercial responsiveness with thorough credit analysis
Step in to support urgent cases or workflow bottlenecks where senior-level input is required

About You

5+ years SME business credit underwriting experience with a lending mandate in a UK bank or lender
Self-motivated, able to work under pressure and driven to succeed
Strong communication skills both written and oral
Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business
Growth mindset and ability to adapt to changing business requirements in a fast-paced business environment

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