Senior Credit Underwriter

JR United Kingdom; Derby; On-site; GBP 35,000 - 55,000; Full time

Job summary

A leading financial services provider is searching for an experienced Underwriter to support corporate lending decisions. This role entails in-depth risk assessment, credit analysis, and building relationships with brokers. If you possess a strong commercial mindset and significant credit experience, this opportunity could be your next career step.

Qualifications

• 3-5 years of credit experience within a banking environment.
• Proven experience in underwriting, credit analysis, or risk assessment.
• Strong understanding of corporate lending structures.

Responsibilities

• Conduct in-depth credit analysis and evaluate lending structures.
• Build and maintain strong relationships with brokers.
• Monitor and review portfolio performance for risk management.

Skills

Credit Analysis

Risk Assessment

Analytical Skills

Client Relationship Management

Job description

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Forward-thinking organisation at the forefront of the financial services sector, specialising in providing innovative credit risk solutions. They focus on acquiring large corporate loans from banks utilising unfunded (insurance) to do so.

Through cutting-edge technology and deep industry expertise, they offer bespoke underwriting services that support corporate lending structures and credit insurance. Their approach is driven by a commitment to transparency, efficiency, and strategic collaboration with financial institutions, brokers, and clients.

Role:

They are in the market for an experienced Underwriter with a keen eye for risk assessment and a strong commercial mindset. The role will see you conducting in-depth credit analysis and evaluating lending structures to support corporate loan underwriting and insurance decisions.

You will also play an active role in cultivating and enhancing relationships with key brokers and clients to foster long-term relationships.

Key Responsibilities:

• Formulate independent opinions and recommendations regarding corporate risks through in-depth analysis of bank memos, financial statements, management accounts, and cash flow statements.
• Assess and evaluate lending structures, ensuring they align with risk appetite and underwriting criteria.
• Provide expert recommendations on whether to underwrite and insure loans based on financial and structural analysis.
• Build and maintain strong relationships with brokers and other external stakeholders.
• Collaborate with internal stakeholders to support commercial decision-making.
• Monitor and review portfolio performance to ensure ongoing risk management.
• Keep up to date with market trends, regulatory developments, and industry best practices.

Requirements:

• 3-5 years of credit experience within a banking environment.
• Proven experience in underwriting, credit analysis, or risk assessment within financial services.
• Extensive, hands-on knowledge of the credit and risk market, including products, brokers, clients, and the regulatory environment.
• Strong understanding of corporate lending structures and credit risk evaluation.
• Excellent analytical skills with the ability to interpret complex financial information.
• Client-facing experience with the ability to develop and nurture relationships with brokers.

This is an exciting opportunity for a detail-oriented professional to contribute to a growing organisation where your expertise will directly impact underwriting decisions.

If you have the skills and experience required, we would love to hear from you.