Senior Underwriter - Commercial

Enra Group; Manchester; Hybrid; GBP 52,000 - 76,000; Full time

Benefits offered by this job

Private medical healthcare

25 days annual leave

Paid volunteering days

Job summary

West One Loans is seeking a Senior Underwriter – Commercial in Manchester to own the end-to-end lending process for commercial finance cases. You will manage relationships with intermediaries, ensure compliance with lending criteria, and support the team with underwriting expertise.

The role requires strong FCA knowledge, AML/KYC experience, and a proactive, detail-focused mindset to thrive in a fast-paced lending environment.

Qualifications

• Experience underwriting in commercial finance.
• Strong understanding of FCA regulation.

Responsibilities

• Manage the lending process from application to drawdown in line with underwriting procedures.
• Maintain and prioritise a pipeline of Commercial cases.
• Develop and maintain key intermediary relationships.
• Ensure all applications comply with West One lending criteria.
• Liaise with internal teams and external parties to manage the lending process.
• Instruct solicitors post-offer and provide relevant documentation.
• Support and coach other underwriters.
• Adhere to TCF and responsible lending principles.
• Demonstrate deep underwriting knowledge and judgment.
• Assist wider team as needed.
• Perform AML/KYC checks per regulatory requirements and internal policies.

Skills

Organisational skills

Time management

Attention to detail

Communication skills

Team player

MS Office

Education

CeMAP desirable, not essential

Job description

Are you an experienced Senior Underwriter – Commercial who enjoys taking ownership, supporting others, and has experience within commercial finance underwriting?

Do you thrive in a fast-paced lending environment where broker relationships, risk appetite, and regulatory compliance are equally important?

If this sounds like you, then this could be the perfect next step in your career.

Key Accountabilities

• Manage the entire lending process from application through to drawdown whilst adhering to underwriting and due diligence processes
• Manage a pipeline of Commercial cases and prioritise accordingly
• Develop and maintain key Intermediary relationships
• Ensure all applications comply with West One lending criteria
• Effectively manage the lending process by liaising with internal departments and external parties
• Instruct Solicitors once offer is made and provide all relevant documentation
• Support team members and coach other underwriters
• Act with integrity, embrace the philosophy of TCF guidelines, and adhere to responsible lending principles
• Demonstrate deep underwriting knowledge and expertise
• Be willing to assist the wider team when required
• Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures
• Ensure compliance where applicable with AML, counter terrorist financing, proliferation financing, tax evasion, fraud, anti-bribery and corruption, sanctions, and financial crime policies & procedures
• Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases including the identification and verification of beneficial owners (BOs), ultimate beneficial owners (UBOs), other relevant parties and corporate ownership structures; assess customer applications for potential money laundering, sanctions, bribery, fraud and other financial crime risks
• Pass internal competency tests post induction

Skills & Competencies

• Excellent organisational and prioritisation skills
• Ability to work to tight timeframes
• High attention to detail
• Strong written and verbal communication skills
• Ability to work as part of a team
• Proficient in Word, Excel, PowerPoint and Outlook

Knowledge & Qualifications

• Previous experience in underwriting within Commercial Finance
• Strong understanding of FCA regulation
• CeMAP desirable, not essential

Personal Attributes

• Acts with integrity and upholds responsible lending principles
• Committed to Treating Customers Fairly and full regulatory compliance
• Takes ownership and demonstrates professional judgement

Why Join Us?

At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.

Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.

If you’re ready to build your career with a Specialist Lender and make an impact.