Underwrtiter

Overview

Job Title:

Senior Corporate Underwriter

Location:

Bristol (minimum 1 day per week on-site, typically Monday)

Salary: £40k

Role Overview:
The Senior Corporate Underwriter plays a critical role in evaluating and approving complex corporate and high-value credit applications. This role focuses on detailed analysis, comprehensive reporting, and sound decision-making in line with business, regulatory, and risk frameworks.

• Assess and approve corporate and high-value customer credit applications within delegated authority.
• Conduct detailed credit analysis for applications typically ranging from £1m to £25m, including corporate entities, small companies, and high-net-worth individuals.
• Produce clear, well-structured credit reports that explain financial context, risks, and decision rationale.
• Maintain robust audit trails, ensuring compliance with onboarding, origination, and due diligence procedures.
• Monitor operational processes and standard operating procedures, recommending improvements to enhance efficiency and governance.
• Support competence development across the credit and onboarding functions.
• Collaborate with internal stakeholders to resolve issues and escalate risks where required.
• Participate in ad-hoc projects and process reviews to improve the end-to-end client experience.

• Strong analytical and critical thinking skills with a focus on financial data and company accounts.
• In-depth understanding of credit risk, corporate structures, and complex lending.
• Ability to produce detailed written reports and communicate findings effectively.
• Attention to detail and proactive prioritization of tasks.
• Strong relationship management and customer service orientation.
• Ability to work independently and under pressure while maintaining high standards.
• Commercial awareness and sound judgment in decision-making.

• Proven experience in corporate credit underwriting, corporate credit analysis, or finance/accounting roles.
• Exposure to complex corporate lending decisions and larger credit applications.
• Knowledge of UK regulated finance and risk frameworks desirable.

• Education in finance, accounting, business management, or law advantageous but not essential.
• Proficiency in MS Office, financial databases, and specialized underwriting software.

• Demonstrates professionalism, integrity, and honesty in all work activities.
• Embraces company values including collaboration, authenticity, curiosity, and commitment.
• Adheres to regulatory standards and conduct codes, promoting a strong risk culture throughout the organization.