Senior Credit Underwriter

Are you ready to make a significant impact in the world of business financing? Our client, a leader in SME financing solutions, is on the lookout for a Senior Underwriter to join their Middle Market Lending Division in Altrincham. This role offers the chance to be part of an exciting new initiative, providing substantial loans to larger businesses and playing a key role in the company's growth strategy.

This is a fantastic opportunity with a salary ranging from £35,000 to £40,000 per year. You'll be joining a company in a transformative phase, with the potential for uncapped commission. Enjoy working in a state-of-the-art office equipped with an on-site gym, a stylish café, and ergonomic workspaces.

The client is a well-established provider of SME financing solutions, with over 15 years of experience in the industry. They are known for their tailored lending solutions that help businesses thrive. With the launch of their Middle Market Lending Division, they are expanding their offerings to cater to larger businesses, marking a significant step in their growth journey.

Responsibilities:

• Conduct thorough financial analysis of company statements.
• Evaluate cash flow positions for debt servicing capability.
• Assess real estate and other collateral for secured lending.
• Ensure robust underwriting standards for middle market loans.
• Underwrite secured loans up to £5 million with detailed risk assessments.
• Collaborate with the CFO/COO on loan application reports.
• Ensure compliance with regulatory and internal risk frameworks.

Package and Benefits:

• Annual salary of £35,000 - £40,000.
• Office hours from Monday to Friday, with no weekend or late-night work.
• Starting holiday allowance of 20 days, increasing to 25 days with service, plus 8 Bank Holidays.
• Birthday off every year.
• Genuine career progression opportunities.
• Convenient location in Altrincham with excellent transport links.
• Access to a state-of-the-art office with an on-site gym, café, and ergonomic workspaces.

Minimum Requirements:

• Ideally have a minimum of 5 years of experience in financial underwriting for secured business loans.
• A background with banks, asset-based lenders, or similar institutions.
• Expertise in analysing financial statements and cash flow.
• Strong understanding of secured lending, especially with real estate collateral.
• Proficiency in credit risk assessment and mitigation.
• Ability to work independently with high standards.
• Excellent communication skills for presenting decisions to stakeholders.

If you're experienced as a Financial Analyst, Credit Risk Analyst, Loan Officer, Lending Manager, or Risk Manager, this Senior Underwriter role could be the perfect fit for you. Your expertise in these areas will be highly valued in this position.

If you're ready to take on a senior role that offers both challenge and reward, this Senior Underwriter position is for you. Join our client in their journey of growth and innovation, and contribute to setting new standards in business financing. Apply now to be part of this transformative phase.