Senior Underwriter

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!