Senior Credit Underwriter

Cambridge & Counties Bank; Leicester; Hybrid; GBP 55,000 - 80,000; Full time

Benefits offered by this job

Pension 10%

Bonus scheme

Hybrid working

Private medical insurance

Life cover 4x salary

Income protection

Cycle to work

Electric car scheme

Loans (interest-free)

Perkbox

Job summary

Cambridge & Counties Bank in Leicester is seeking an experienced Credit Underwriter to assess the credit and risk profiles of customers in pensions, professions and real estate sectors. The role covers bridging funding and development finance, with a focus on sound approvals and customer-focused solutions.

You will ensure lending sanctions comply with bank policies and regulatory requirements, bringing strong financial analysis, risk awareness, and clear communication to the team.

Qualifications

• Significant previous experience as a Credit Underwriter.
• Experience with Bridging Funding and Development Finance.
• Knowledge of financial services acts rules.
• Understanding of pensions, real estate lending and SME sector.
• Strong financial management, analytical and communication skills.

Responsibilities

• Assess credit and risk profiles for customers.
• Determine acceptability of Bridging Funding and Development Finance proposals.
• Provide recommendations or alternatives to meet customer needs.
• Ensure lending sanctions comply with Bank policies and regulations.

Skills

Credit Underwriter experience

Bridging Funding knowledge

Development Finance knowledge

Conduct Risk awareness

Financial analysis

Communication skills

Job description

Location: Leicester with hybrid working Salary: £55,000-£80,000pa.

We are looking for someone to join our Underwriting team to assess the credit and risk profiles of customers within the Pensions/Professions/Real Estate market.

This will include Bridging Funding and Development Finance where you will establish the acceptability of proposals and providing recommendations or alternative solutions where appropriate, that satisfy customer needs and meets business outcomes.

You will ensure that all recommendations for lending sanctions are compliant with the Bank's policies and regulatory policies.

If you have previous experience as a Credit Underwriter working in commercial Real Estate Finance then we would love to hear from you!

About you

For this role you will need the following skills and experience:

• Significant previous experience as a Credit Underwriter
• Bridging Funding and Development Finance preferred
• Knowledge of the relevant rules under the financial services acts
• A wide knowledge of the commercial environment and sector specialism including pensions, real estate lending and the SME market
• An understanding of financial management and wider management principles and techniques
• A good level of financial and commercial awareness
• A good understanding of Conduct Risk and Treating Customers Fairly requirements relevant to credit operations
• The ability to interpret and implement relevant guidance, ensuring compliance and due regard is paid to the interests of customers and customers are treated fairly
• Excellent oral / written communication skills and organisational skills
• Excellent data evaluation skills

What we offer

• 10% employer pension contributions
• Bonus Scheme
• 30 days' holiday plus Bank Holidays
• Sell Holiday scheme
• Hybrid working policy as standard and other flexible working options welcomed
• Private Medical Insurance including optical and dental cover from day one
• Life Cover at 4x salary from day one
• Income Protection cover
• Salary Sacrifice Cycle to Work Scheme
• Salary Sacrifice Electric Car Scheme
• Interest-free personal loans for various purposes
• Perkbox membership (discounts on shopping, restaurants, cinema, and lots more)
• Enhanced Maternity and Paternity Pay policies
• Various learning and development opportunities available
• Free tea, coffee and milk
• Christmas and summer parties
• A Wellbeing Team, Colleague Forum, a Green Environmental Action Team, Charities Committee and numerous opportunities to give back to the community, and more ...

Diversity and Inclusion

Our aim is for our workforce to be truly representative of all sections of society and our customers, and for each employee to feel respected and able to give their best. We are committed to equal treatment of all colleagues and potential colleagues, including those with criminal records.

If you are successful in your application for employment, we will carry out pre-employment screening including use of the Disclosure and Barring Service (DBS).

For a full job description, please email [email protected]

Thank you.