Job Title: Senior Underwriter Location: Birmingham, hybrid (2-3 days per week in-office)
Company Overview: We are an innovative and rapidly growing organization, committed to delivering cutting-edge solutions within the financial services industry.
As a new bank, we are shaping the future of lending with a focus on building industry-leading propositions.
We are currently seeking an experienced Senior Underwriter to join our team and play a key role in managing the deal flow, underwriting processes, policy reviews, and loan book monitoring.
Key Responsibilities: Underwrite lending applications to a high standard, ensuring compliance with regulatory requirements, pragmatism, and delegated authority.
Manage the underwriting process from start to finish, ensuring smooth deal flow and timely decision-making.
Assist the Head of Credit Risk in ongoing policy reviews, process improvements, and operational readiness as the business continues to grow.
Contribute to the design and development of new underwriting processes, procedures, and supporting documentation.
Monitor and manage the loan book, ensuring that all applications are effectively underwritten and risks are appropriately managed.
Collaborate with cross-functional teams to ensure alignment across business units and provide guidance on complex underwriting matters.
Work closely with senior leadership to shape and implement strategic initiatives for future growth.
Required Qualifications & Skills: Extensive experience in credit underwriting, with a strong background in managing and assessing lending applications.
Proven ability to underwrite complex loan applications in line with regulatory guidelines and internal policies.
Strong understanding of credit risk and experience in managing a loan book effectively.
Ability to influence process and policy improvements within a fast-paced, evolving environment.
Excellent communication skills, with the ability to collaborate and influence stakeholders at all levels.
High attention to detail and the ability to manage multiple projects in parallel.
Experience in contributing to the design and implementation of new processes and operational procedures is a plus.
Knowledge of industry regulations and compliance requirements.
Why Join Us?
Be part of a new and innovative bank with the opportunity to shape processes, procedures, and products from the ground up.
Hybrid working environment with 2-3 days per week in-office in Birmingham.
Competitive salary and benefits package.
Ongoing career development opportunities as we continue to grow and scale.
Work in a collaborative, hands-on environment where your contributions will directly impact business success.
Please apply now if you have the experience required.
Thank you and good luck!