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!