102 Credit Underwriter jobs in the United Kingdom
Credit Underwriter
Posted 9 days ago
Job Viewed
Job Description
Job Title: Credit Underwriter
Location : Hybrid (3 days a week on site between Coventry & Slough offices)
Contract Type : Permanent
Are you ready to take your career to the next level in the financial services industry? Our client is seeking a dynamic and detail-oriented Credit Underwriter to join their Credit & Underwriting department! This is your chance to play a crucial role in assessing financial risks and making impactful lending decisions.
Role Summary
We are seeking a detail-oriented and analytical Credit Underwriter to join a dynamic financial services team. The successful candidate will be responsible for assessing credit applications across private individuals, SMEs, and corporate clients, ensuring decisions align with internal credit policies and risk tolerance.
Key Responsibilities
- Manually underwrite credit proposals in line with company policy and service level targets.
- Analyse financial statements (balance sheets, income statements, cash flow) to assess repayment capacity.
- Make informed lending decisions and document rationale clearly.
- Use internal systems to manage work queues and support auto-acceptance processes.
- Respond to dealer and account manager queries efficiently.
- Escalate proposals exceeding approval limits to senior credit personnel.
- Participate in scorecard testing and tuning.
- Maintain compliance with internal and regulatory standards.
- Contribute to fraud prevention and monthly risk reviews.
Required Skills & Experience
- Experience in consumer credit underwriting or credit analysis within financial services.
- Strong understanding of credit practices and financial risk assessment.
- Proficient in interpreting CRA and HPI reports.
- Advanced Excel skills including formulas such as VLOOKUP, Pivot Tables, COUNTIF, AVERAGE, and SUM.
- Excellent written and verbal communication skills.
- Confident decision-maker with strong problem-solving abilities.
- Able to work under pressure and manage own workload effectively.
- Experience in automotive or consumer finance is preferred but not essential.
Please note: Due to the high volume of applications, only successful candidates will be contacted. If you do not hear from us within 48 hours, unfortunately, your application has not been successful on this occasion. However, we may retain your details for any future suitable vacancies and contact you accordingly.
Adecco is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone's chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive. If you require reasonable adjustments at any stage, please let us know and we will be happy to support you.
Credit Underwriter
Posted 16 days ago
Job Viewed
Job Description
This role offers a competitive salary ranging from 30,000 to 33,000, depending on experience. You'll enjoy a generous holiday package, including 20 days of annual leave, which increases to 25 days with service, plus 8 Bank Holidays and your birthday off. With genuine career progression opportunities, this role is perfect for someone looking to advance their career in credit underwriting.
As a Credit Underwriter, you'll be responsible for:
- Assessing the risks of SME loan applications with objective and independent judgment.
- Ensuring compliance with Credit Policy, guidelines, and processes.
- Obtaining and reviewing credit information on businesses and Beneficial Owners.
- Conducting risk assessments considering lender guidelines and market trends.
- Adhering to AML, KYC, and KYB policies.
- Working within agreed timelines for credit proposals and reviews.
- Coordinating effectively with colleagues across various teams.
The Credit Underwriter role comes with a fantastic package:
- Annual salary of 30,000 - 33,000, dependent on experience.
- Hybrid working after 6 month probation - 2 days from home.
- 20 days holiday, increasing to 25 days with service, plus 8 Bank Holidays.
- Your birthday off every year.
- Genuine career progression opportunities.
- Office hours from Monday to Friday, with no weekends or late nights.
- At least two years of underwriting experience in a Consumer or SME environment.
- A broad understanding of SMEs and current market trends.
- Practical knowledge of KYC, AML, and KYB requirements.
- Strong communication skills and the ability to build relationships.
- Excellent attention to detail and accountability.
- A proactive, team-oriented attitude and drive to succeed.
- High personal and professional integrity.
If you're ready to take the next step in your career as a Credit Underwriter, this opportunity with our client in Altrincham could be just what you're looking for. Apply now and become part of a team that's making a real difference in the world of business finance.
Alternatively please call Jenni on (phone number removed) for more information.
JL_FIN
Credit Underwriter
Posted 2 days ago
Job Viewed
Job Description
Job Title: Credit Underwriter
Location : Hybrid (3 days a week on site between Coventry & Slough offices)
Contract Type : Permanent
Are you ready to take your career to the next level in the financial services industry? Our client is seeking a dynamic and detail-oriented Credit Underwriter to join their Credit & Underwriting department! This is your chance to play a crucial role in assessing financial risks and making impactful lending decisions.
Role Summary
We are seeking a detail-oriented and analytical Credit Underwriter to join a dynamic financial services team. The successful candidate will be responsible for assessing credit applications across private individuals, SMEs, and corporate clients, ensuring decisions align with internal credit policies and risk tolerance.
Key Responsibilities
- Manually underwrite credit proposals in line with company policy and service level targets.
- Analyse financial statements (balance sheets, income statements, cash flow) to assess repayment capacity.
- Make informed lending decisions and document rationale clearly.
- Use internal systems to manage work queues and support auto-acceptance processes.
- Respond to dealer and account manager queries efficiently.
- Escalate proposals exceeding approval limits to senior credit personnel.
- Participate in scorecard testing and tuning.
- Maintain compliance with internal and regulatory standards.
- Contribute to fraud prevention and monthly risk reviews.
Required Skills & Experience
- Experience in consumer credit underwriting or credit analysis within financial services.
- Strong understanding of credit practices and financial risk assessment.
- Proficient in interpreting CRA and HPI reports.
- Advanced Excel skills including formulas such as VLOOKUP, Pivot Tables, COUNTIF, AVERAGE, and SUM.
- Excellent written and verbal communication skills.
- Confident decision-maker with strong problem-solving abilities.
- Able to work under pressure and manage own workload effectively.
- Experience in automotive or consumer finance is preferred but not essential.
Please note: Due to the high volume of applications, only successful candidates will be contacted. If you do not hear from us within 48 hours, unfortunately, your application has not been successful on this occasion. However, we may retain your details for any future suitable vacancies and contact you accordingly.
Adecco is an employment consultancy. We put expertise, energy, and enthusiasm into improving everyone's chance of being part of the workplace. We respect and appreciate people of all ethnicities, generations, religious beliefs, sexual orientations, gender identities, and more. We do this by showcasing their talents, skills, and unique experience in an inclusive environment that helps them thrive. If you require reasonable adjustments at any stage, please let us know and we will be happy to support you.
Credit Underwriter
Posted 2 days ago
Job Viewed
Job Description
This role offers a competitive salary ranging from 30,000 to 33,000, depending on experience. You'll enjoy a generous holiday package, including 20 days of annual leave, which increases to 25 days with service, plus 8 Bank Holidays and your birthday off. With genuine career progression opportunities, this role is perfect for someone looking to advance their career in credit underwriting.
As a Credit Underwriter, you'll be responsible for:
- Assessing the risks of SME loan applications with objective and independent judgment.
- Ensuring compliance with Credit Policy, guidelines, and processes.
- Obtaining and reviewing credit information on businesses and Beneficial Owners.
- Conducting risk assessments considering lender guidelines and market trends.
- Adhering to AML, KYC, and KYB policies.
- Working within agreed timelines for credit proposals and reviews.
- Coordinating effectively with colleagues across various teams.
The Credit Underwriter role comes with a fantastic package:
- Annual salary of 30,000 - 33,000, dependent on experience.
- Hybrid working after 6 month probation - 2 days from home.
- 20 days holiday, increasing to 25 days with service, plus 8 Bank Holidays.
- Your birthday off every year.
- Genuine career progression opportunities.
- Office hours from Monday to Friday, with no weekends or late nights.
- At least two years of underwriting experience in a Consumer or SME environment.
- A broad understanding of SMEs and current market trends.
- Practical knowledge of KYC, AML, and KYB requirements.
- Strong communication skills and the ability to build relationships.
- Excellent attention to detail and accountability.
- A proactive, team-oriented attitude and drive to succeed.
- High personal and professional integrity.
If you're ready to take the next step in your career as a Credit Underwriter, this opportunity with our client in Altrincham could be just what you're looking for. Apply now and become part of a team that's making a real difference in the world of business finance.
Alternatively please call Jenni on (phone number removed) for more information.
JL_FIN
Credit Underwriter
Posted today
Job Viewed
Job Description
The role involves assessing credit applications across a variety of asset finance and loan products, applying sound judg.
WHJS1_UKTJ
Senior Credit Underwriter
Posted 16 days ago
Job Viewed
Job Description
Senior Credit Underwriter
50,000-70,000 (DOE) + Uncapped Bonus + Car Allowance + Excellent Benefits
East Midlands | Hybrid (3-4 days on-site)
Commutable from Buckinghamshire, Northamptonshire, North Hertfordshire, Warwickshire, Leicestershire, Cambridgeshire, Oxfordshire
Are you an experienced Credit Underwriter looking for your next big career move? This is your chance to step into a pivotal role with a fast-growing hybrid broker-lender - a business driving innovation in the asset finance and commercial loans space.
We're looking for a dedicated and driven credit professional who's ready to play a key part in shaping credit policies, underwriting larger deals, and guiding the approval process. You'll work closely with the Head of Credit & Risk, adding real value to their commercial success and helping steer the business through its exciting growth phase.
What You'll Be Doing
Review and underwrite substantial finance deals within delegated authority
Shape and enhance credit policies, deal structuring, and credit administration
Collaborate across teams to reduce risk and safeguard the business
Provide outstanding service while balancing commercial opportunity with risk management
What You'll Bring
At least 5 years' experience in credit underwriting - ideally within SME asset finance (hard/soft assets) or SME commercial loans (including short-term loans)
Strong grasp of SME and corporate cashflows and robust analysis of financial statements
A thorough understanding of the credit process, with deep knowledge of leasing
Self-motivation, commercial acumen, and the ambition to help grow the credit function
What's on Offer
- Competitive salary 50,000-70,000 (depending on experience)
- Uncapped bonus potential
- Car allowance
- Excellent benefits package: pension scheme, life insurance, gym membership, private healthcare, LTIP
- Hybrid working: 3-4 days on-site in Northamptonshire
- Ongoing professional development with the chance to progress into senior and leadership roles.
Ready to Apply?
If you're ready to take on this exciting, high-impact role, we'd love to hear from you!
Send us your CV today, quoting reference LX (phone number removed).
Senior Credit Underwriter
Posted 2 days ago
Job Viewed
Job Description
Senior Credit Underwriter
50,000-70,000 (DOE) + Uncapped Bonus + Car Allowance + Excellent Benefits
East Midlands | Hybrid (3-4 days on-site)
Commutable from Buckinghamshire, Northamptonshire, North Hertfordshire, Warwickshire, Leicestershire, Cambridgeshire, Oxfordshire
Are you an experienced Credit Underwriter looking for your next big career move? This is your chance to step into a pivotal role with a fast-growing hybrid broker-lender - a business driving innovation in the asset finance and commercial loans space.
We're looking for a dedicated and driven credit professional who's ready to play a key part in shaping credit policies, underwriting larger deals, and guiding the approval process. You'll work closely with the Head of Credit & Risk, adding real value to their commercial success and helping steer the business through its exciting growth phase.
What You'll Be Doing
Review and underwrite substantial finance deals within delegated authority
Shape and enhance credit policies, deal structuring, and credit administration
Collaborate across teams to reduce risk and safeguard the business
Provide outstanding service while balancing commercial opportunity with risk management
What You'll Bring
At least 5 years' experience in credit underwriting - ideally within SME asset finance (hard/soft assets) or SME commercial loans (including short-term loans)
Strong grasp of SME and corporate cashflows and robust analysis of financial statements
A thorough understanding of the credit process, with deep knowledge of leasing
Self-motivation, commercial acumen, and the ambition to help grow the credit function
What's on Offer
- Competitive salary 50,000-70,000 (depending on experience)
- Uncapped bonus potential
- Car allowance
- Excellent benefits package: pension scheme, life insurance, gym membership, private healthcare, LTIP
- Hybrid working: 3-4 days on-site in Northamptonshire
- Ongoing professional development with the chance to progress into senior and leadership roles.
Ready to Apply?
If you're ready to take on this exciting, high-impact role, we'd love to hear from you!
Send us your CV today, quoting reference LX (phone number removed).
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Lead Credit Underwriter
Posted 19 days ago
Job Viewed
Job Description
Kriya's suite of financial tools keeps business flowing brilliantly by providing frictionless access to payments, credit and working capital through seamless integrations and instant credit decisions.
Founded in 2011, Kriya has helped businesses collect over £28 billion in B2B payments, and advanced over £.7 billion worth of credit through working capital and business loans. Kriya has a wide-reaching network of strategic partners including Barclays Bank, Stripe, Halfords and the British Business Bank, and is backed by prestigious equity investors including Northzone, Barclays Bank and Mouro Capital (owned by Santander Bank).
What you’ll be doing:
- Leading the development of the framework and processes for assessing prospective merchant partners and other key risk initiatives
- Leading the underwriting and structuring of new business deals (£1 100m turnover range)
- Owning and pro-actively managing a merchant portfolio, ensuring that you can balance delivering risk performance within appetite with commercial goals such as processed volume and revenue
- Taking the lead on risk strategy and processes to support the expansion of our products into new segments, customer types, jurisdictions and sales channels
- Work closely within a cross-functional team including Commercial, Product, Data and Finance to deliver company goals
- Leading on a range of Risk initiatives as the business grows and the product offering evolves - you will be a key point of contact in the Kriya Risk team
Requirements
What you’ll have:
- Proven experience in underwriting businesses and structuring credit deals including considerations of performance covenants, monitoring and security structures
- Proven experience in building and effectively managing a diversified portfolio and maximising risk-adjusted returns
- Highly analytical mindset, ability to critically assess financial performance and analyse large data sets to identify patterns
- A track record of solving complex problems through a methodical approach
- Strong communication, interpersonal and collaboration skills
- Excellent organisational skills and the ability to effectively prioritise and manage multiple work streams in parallel
- Proficiency with the use of Excel and Power Point
Our company values are:
#MakeItHappen:
We're focused on getting the important stuff done first. We don't get bogged down in long emails and lots of meetings, we find solutions (they're out there!) and get it done!
#AlwaysBeLearning:
The only constant is change: we embrace change and learn. We ask and listen for feedback and always provide it too.
#1Team1Dream
We always put the whole company first - when we succeed collectively, we all succeed individually. Everyone has a voice, we listen to each other's opinions.
Benefits
Not only will you have the opportunity to make a huge impact at one of the UK's leading FinTech companies, you will also have access to:
- 60 days work from abroad allowance
- A great office in the heart of Shoreditch
- Private health coverage and discounted gym memberships
- Amazon Kindle and book purchase allowance
- Enhanced maternity/paternity leave
- 25 days of annual leave per year, plus your Birthday off
- Access to Tate Modern Exhibitions
- Lunches provided on in-office days (Tuesdays and Thursdays) plus monthly breakfast treats
Our Commitment to You:
We will do our best to reply to all applications, however, if you have yet to have a response within 8 weeks, please assume your application has not been successful.
Kriya is constantly working to maintain and improve our inclusive, friendly workplace. We ensure that both applicants and our people receive unbiased treatment without discrimination on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, race or any other protected characteristic.
How will we use your information?
We will use your data to process your application, to allow us to assess your suitability for a role, market job opportunities and recruitment information, and improve our sites. We may share your data with third parties to achieve these purposes. We will not share your data for marketing purposes. We will keep your data safe in accordance with data protection legislation.
If you are unhappy with the use of your data, you can change your mind at any time by emailing
Credit Underwriter - Natural Resources (Power, Energy & Chemicals) - VP

Posted 25 days ago
Job Viewed
Job Description
A Natural Resources Underwriter in Corporate Developed Markets covers large and complex relationships within United Kingdom (UK) and Western Europe (WE), being responsible for all underwriting activities in partnership within Banking & International and Risk.
The Underwriter will be responsible for Power, Energy, Chemicals & CET sector clients
**Responsibilities:**
+ Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards.
+ Prepare a detailed written credit summary of commercial applicants requesting credit by analyzing the business, interpreting the finance need, identifying the strengths and prevailing risk factors and rendering a final credit decision.
+ Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information.
+ Perform credit and personal financial statement analysis on individuals, guarantors, and co-borrowers in order to assess repayment capacity based on cash flow statements, tax returns, and statements.
+ Perform industry and geographical research and other due diligence as needed.
+ Maintain a solid understanding of Citibank products and services - within Small Business/Commercial Banking and the broader organization.
+ Maintain compliance with Citibank credit policies/practices and regulatory policies, to ensure business unit is in adherence to the above and receives satisfactory ratings from internal and external auditors.
+ Assists business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service levels. Work with management team on prioritization and implementation of approved actions.
+ Provide backup support to Credit Underwriting Group Manager, lead projects and initiatives and mentor lower level Credit Officers as needed.
+ Other duties as required to support business unit and company goals.
+ Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
**Qualifications:**
+ Previous credit authority experience. Prior experience working in a regulatory and compliance policy environment
+ Proven analytical skills including the ability to read and assess individual and company financial statements, cash flow, industry/competitive analysis and projections; including complicated business structures with foreign subsidiaries and/or parent organizations.
+ Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
+ Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
+ Effective inter-personal and written/verbal communication skills
+ Thorough problem recognition and resolution skills
+ Pro-active disposition with ability to work autonomously and within a team Proficient in various spreadsheet and word processing applications (Excel and Word), including the use of graphs and charts and financial analysis software
+ Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs.
+ Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources.
+ Exercises wide degree of latitude and discretion.
+ Significant impact on the area through complex deliverables.
+ Provides advice and counsel related to the technology or operations of the business.
+ Work impacts an entire area, which eventually affects the overall performance and effectiveness of the sub-function/job family.
**Education:**
+ Bachelor's/University degree, Master's degree preferred
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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**Job Family Group:**
Risk Management
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**Job Family:**
Credit Decisions
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**Time Type:**
Full time
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_Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law._
_If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review_ _Accessibility at Citi ( _._
_View Citi's_ _EEO Policy Statement ( _and the_ _Know Your Rights ( _poster._
Citi is an equal opportunity and affirmative action employer.
Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.
Underwriter (Credit Decisions Analyst)
Posted 5 days ago
Job Viewed
Job Description
YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role
As a Credit Decision Analyst, you will decision applications and price deals, being responsible for ensuring acceptable terms while deciding the size, duration, and price of an application. You will complete KYC checks using 3rd party tools to verify our customer, flagging high risk applications.
Key Responsibilities
- Assessing merchants on ability to repay
- Pricing deals
- Reviewing credit reports
- Assessing revenue and payment data
- Verifying identity
- Assessing onboarding risks
- Confirming PEP/Sanction matches
- Reviewing Cifas flags
- Assist team members with queries
- Identify and flags problems
- Suggests improvements to processes
Salary: £31,000 - £41,000 (dependent on experience) +5% quarterly performance bonus
Requirements
- 1-2 years' experience in a similar role, with strong exposure to Underwriting
- Have excellent attention to detail and be confident working with numbers and data
- Be confident while analysing data and presenting results
- Strong use of excel or any data analysis software
- Be highly organised and reliable
- Ability to work under pressure
- Team player
- Target driven
- Passionate and customer focused
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech : YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Cycle to work scheme
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League / Squash Club
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.