SME Credit Underwriter

Chandlers Ltd; Norwich; On-site; GBP 40,000 - 60,000; Full time

Job summary

A leading financial organization in Norwich seeks an experienced underwriter for SME lending. The role involves assessing applications, enhancing credit policies, and analyzing portfolio performance. Ideal candidates should possess strong credit underwriting experience, commercial awareness, and the ability to work effectively in a dynamic environment.

Qualifications

• Proven SME credit underwriting experience, ideally in fintech or alternative lending.
• Strong commercial awareness and ability to challenge processes.
• Experience in credit risk matters such as policy development.

Responsibilities

• Underwrite SME lending applications with balanced decisions.
• Work closely with the Head of Credit on credit policy reviews.
• Monitor portfolio performance and identify optimization opportunities.

Skills

SME credit underwriting experience

Commercial awareness

Analytical mindset

Clear communication skills

Team collaboration

Job description

• Underwrite SME lending applications, delivering sound and commercially balanced decisions.
• Apply independent judgement, critical thinking, and commercial awareness to every case.
• Work closely with the Head of Credit to review and enhance credit policy and risk appetite frameworks.
• Monitor portfolio performance, identifying trends, risks, and opportunities for optimisation.
• Support the ongoing development of underwriting processes and decision tools.
• Collaborate with commercial, operations, and data teams to ensure scalable and high‑quality credit risk management.

Qualifications

• Proven SME credit underwriting experience, ideally within a fintech, alternative lender, or commercial bank.
• Strong commercial awareness and confidence to challenge established processes where appropriate.
• Experience of working on wider credit risk matters such as policy development, portfolio reporting, or credit strategy.
• Analytical mindset with excellent attention to detail.
• Clear and confident communicator, comfortable working in a fast‑paced, dynamic business.
• Collaborative and proactive team player.