Senior Underwriter

Elect Capital

England

On-site

GBP 50,000 - 70,000

Full time

14 days+

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Benefits offered by this job

Competitive salary

Opportunities for progression

Ownership over your work

Job summary

A financial services company in the UK is seeking a skilled Senior Underwriter to manage credit decisions and support deal flow efficiently. Applicants must thrive in fast-paced settings and possess strong analytical skills. The role involves leading underwriting on substantial deals and working closely with sales to ensure rapid execution. This position offers competitive compensation and opportunities for growth in a mission-driven environment.

Qualifications

Experience in underwriting or risk assessment.
Thrives in fast-paced environments.
Ability to spot issues and fix them quickly.

Responsibilities

Lead underwriting on deals from £25k–£750k.
Analyse financials to assess creditworthiness.
Structure offers balancing speed and risk.
Coach junior underwriters.

Skills

Analytical skills

Communication

Organizational skills

Commercial instinct

Job description

Elect Capital backs ambitious UK businesses with capital that cuts through the noise. Built for speed, edge and action, we deliver funding where others stall. We’re not here to reinvent lending – we’re here to do it better. We move at the pace of our clients and connect them to capital that works.

Elect offers 1–6 month fixed‑term business finance with daily or weekly repayments and fast, transparent decisions. 90% of completed applications receive an offer within 4 hours – with clear pricing, no unnecessary hurdles, and a team that knows how to get deals done. Whether a client applies directly or via a broker, we aim to make the funding journey sharp, clean and simple.

OUR MISSION

We are on a mission to back ambition. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.

OUR VALUES

C.O.R.E

Challenge – Ask the hard questions. Improve what you touch.

Opportunity – Spot it. Shape it. Run with it.

Resilience – Stay steady. Adapt fast. Keep momentum.

Edge – Think sharp. Move sharp. Stand out.

We hire people who act fast, think commercially, and bring clarity to everything they do.

THE PERFECT FIT

We’re not a coasting kind of company. Elect is fast, challenging and focused – and we love it that way. Things move quickly here, and the bar is high. If you thrive in that kind of environment, you'll do well.

To thrive at Elect, you’ll need:

A sharp mind and a strong work ethic
The ability to stay calm, focused and accurate under pressure
A natural instinct to spot issues, fix them fast, and always look for a better way
Resilient and a team‑first mentality – we challenge each other daily, but we back each other even harder
A bias for clarity, action and ownership
A desire to go beyond the job description and raise the bar

THE ROLE

We’re looking for a sharp, decisive & experienced Senior Underwriter to take ownership of credit decisions across our deal flow. You’ll assess risk, structure approvals, and work closely with sales, ops, and credit to move good deals fast — and stop bad ones faster. This is a high‑impact role where commercial instinct, precision, and pace are essential.

KEY RESPONSIBILITIES

Lead underwriting on deals from £25k–£750k
Analyse financials, bank data, and open banking feeds to assess creditworthiness
Apply credit risk policies while spotting smart exceptions
Structure offers that balance speed, risk, and commercial value
Work closely with the sales team to support fast decisions and clean execution
Escalate and advise on edge cases and complex scenarios
Maintain underwriting documentation and CRM accuracy
Coach junior underwriters and support continuous credit policy refinement

WHAT WE’RE LOOKING FOR