Senior Credit Underwriter

Statera Talent are partnering with a well-established UK Financial Services business to hire an experienced Senior Credit Underwriter into their SME Lending credit team.

This role sits within the bank's Credit Risk function and plays a key part in supporting the continued growth of their SME lending portfolio.

The position is hybrid, with two days per week based in the Southampton office.

The role

You'll operate as a senior decision maker within the SME credit team, underwriting new lending proposals and supporting the wider business with complex credit decisions.

Key elements include:

• Assess SME lending proposals and make credit decisions within delegated authority
• Prepare written credit submissions for transactions that require approval from higher mandate holders
• Analyse financial performance, balance sheets, and supporting information to determine appropriate lending decisions
• Ensure lending requests sit within the credit policy and risk appetite, escalating where necessary
• Maintain oversight of existing exposures through periodic credit reviews
• Provide input to colleagues across the lending team where guidance on credit policy or risk considerations is required

Background we're looking for

• Established experience underwriting SME lending transactions within a bank or specialist lender
• Comfortable assessing both secured and unsecured lending requests across a range of asset types
• Strong financial analysis skills and confidence reviewing company accounts and cash flow
• Experience working with both direct and intermediary introduced lending
• Ability to produce clear, well structured written credit recommendations
• Good commercial judgement with the confidence to support lending decisions within a mandate framework

This is a hands-on underwriting role within a collaborative team environment, offering the opportunity to take real ownership of credit decisions while working closely with senior stakeholders across the business.