Underwriter

Morson Edge (Technology); England; On-site; GBP 50,000 - 85,000; Full time

Job summary

A mid-sized UK bank is looking for an experienced Underwriter to join its SME Lending team. This role focuses on assessing and structuring lending proposals while ensuring sound credit decisions and delivering high-quality service. Candidates should have proven experience in Commercial Real Estate and strong analytical skills. The position requires collaboration with various teams to maintain lending standards. Competitive compensation is offered for this full-time role.

Qualifications

• Experience drafting policies, reports, or formal credit documentation is essential.
• Background in banking or financial services is desirable.
• Strong analytical skills, including comfortable use of data visualisation or analytical tools.
• Experience drafting policies, reports or formal credit documentation.
• Excellent stakeholder management and communication skills.

Responsibilities

• Support the delivery of the bank’s credit strategy in line with risk appetite.
• Ensure strong customer outcomes through quality credit assessment.
• Prepare high-quality underwriting papers and present cases at Credit Committee.
• Present and defend cases at Credit Committee when required.
• Monitor portfolio performance and set covenants for new and existing facilities.
• Coach and mentor colleagues within the underwriting team.
• Collaborate with frontline teams to balance objectives with risk controls.

Skills

Proven experience as an underwriter within Commercial Real Estate

Strong analytical skills

Excellent stakeholder management and communication skills

Financial analysis

Data visualization

Education

Bachelor's degree in Finance/Business/Banking

Tools

Data visualisation tools

Power BI

Job description

Morson Edge (Technology) provided pay range

This range is provided by Morson Edge (Technology). Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

Direct message the job poster from Morson Edge (Technology)

Recruitment Consultant, at Morson Edge- Risk, Regulation and Compliance

An established, fast-growing UK bank is expanding its lending portfolio and is seeking an experienced Underwriter to join its SME Lending team. The organisation supports a broad range of retail, SME and Banking-as-a-Service clients, and is committed to maintaining a strong financial crime and risk management framework as it scales. As part of this growth, the bank is enhancing its personal and business banking offering, and continues to invest heavily in robust credit practices.

About the Role

This role plays a key part in assessing, structuring and recommending lending proposals, ensuring sound credit decisions and high-quality service for customers and internal stakeholders. You will analyse counterparties, ensure serviceability, assess collateral and support the delivery of a prudent and commercially minded lending strategy.

You will work across a variety of asset classes, including:

• Trading businesses secured against owner-occupied commercial properties
• Commercial property investment

Key Responsibilities

• Support the delivery of the bank’s credit strategy in line with risk appetite, policy frameworks and governance requirements.
• Help maintain high standards of professionalism, integrity and conduct across the underwriting function.
• Uphold robust lending standards consistent with industry expectations.
• Ensure strong customer outcomes through quality credit assessment and decision-making.
• Coach, mentor and support colleagues within the underwriting team.
• Work closely with frontline teams to balance commercial objectives with appropriate risk management.
• Prepare high-quality underwriting papers, both within delegated authority and for escalation to Credit Committee.
• Present and defend cases at Credit Committee when required.
• Monitor portfolio performance, including early warning indicators, in-life events and signs of deterioration.
• Set and oversee covenants and ongoing conditions on new and existing facilities.
• Collaborate with senior credit leaders and stakeholders to refine portfolio oversight processes.
• Conduct periodic reviews and annual assessments of existing exposures.

Skills & Experience

• Proven experience as an underwriter within Commercial Real Estate (essential).
• Background in banking or financial services (desirable).
• Strong analytical skills, including comfortable use of data visualisation or analytical tools.
• Experience drafting policies, reports or formal credit documentation.
• Excellent stakeholder management and communication skills.

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

Finance, Banking