SME Credit Underwriter: Drive Growth & Risk

CRS; Greater London; Sur place; GBP 45 000 - 65 000; Plein temps

Résumé du poste

CRS is seeking an experienced underwriter to join our growing fintech team in London. You will assess loan applications, weigh income, cash flow and liabilities, and make disciplined approve/decline decisions within your mandate.

You will analyse bank statements and credit reports, apply affordability assessments, and support the development of underwriting models and automation. You will help improve turnaround times while maintaining risk standards and regulatory compliance.

Qualifications

• 2+ years underwriting experience in consumer or SME lending.
• Strong understanding of credit risk fundamentals and having held a manual underwriting mandate previously.
• Experience analysing bank statements and credit reports.
• Knowledge of affordability assessments.
• High attention to detail and ability to confidently make lending decisions.

Responsabilités

• Assess loan applications using internal scorecards, credit bureau data, bank statement analysis, and affordability models.
• Evaluate income, cash flow, liabilities, and risk factors.
• Make approve/decline decisions within mandate.
• Recommend conditions or structured offers where appropriate.
• Identify fraud indicators and escalate when required.
• Ensure lending decisions align with credit policy and risk appetite.
• Maintain strong portfolio quality and acceptable default rates.
• Monitor early arrears trends and feedback into underwriting improvements.
• Escalate complex or borderline cases appropriately. Compliance & Governance.
• Adhere to regulatory requirements (e.g., responsible lending, affordability, KYC/AML).
• Support internal and external audits. Process & Continuous Improvement.
• Provide feedback on credit policy, decision rules, and automation opportunities.
• Support testing of new underwriting models and rule changes.
• Contribute to improving turnaround times while maintaining risk standards.

Connaissances

Credit risk fundamentals

Underwriting

Data analysis

Bank statements analysis

Affordability assessments

Description du poste

CRS is seeking an experienced underwriter to join our growing fintech team in London. You will assess loan applications, weigh income, cash flow and liabilities, and make disciplined approve/decline decisions within your mandate.

You will analyse bank statements and credit reports, apply affordability assessments, and support the development of underwriting models and automation. You will help improve turnaround times while maintaining risk standards and regulatory compliance.