Credit Underwriter - Hybrid

Hours:

Monday – Friday, 9:00 – 17:00

About the Role

We are seeking an experienced Finance Operations professional to join a team underwriting asset finance proposals, including large-scale leases and commercial credit for dealers and clients. This hands-on role offers the chance to work with complex credit lines, make impactful financial decisions, and support business growth.

You’ll be part of a collaborative team that manages moderately complex to high-value credit applications — ranging from £80,000 to over £100 million — and plays a key role in supporting dealers, sales teams, and clients through the finance process.

Key Responsibilities

* Assess and approve/decline asset finance proposals, analysing financial statements, cash flow, balance sheets, and supporting documentation.

* Manage credit lines and portfolio risk, including personal guarantees and corporate accounts.

* Liaise with dealers and Area Sales Managers, providing guidance, clarifying queries, and building strong relationships.

* Oversee the workflow from point of sale to onboarding, including collaboration with internal teams and international risk functions.

* Mentor and support other team members, sharing expertise in credit assessment and operational finance.

* Participate in process improvements, helping to streamline operations and enhance efficiency.

About You

* 3+ years’ experience in asset finance, commercial lending, fleet finance, or corporate credit underwriting.

* Strong financial analysis skills.

* Comfortable working with large credit lines, leases, and complex financial structures.

* Experience with financial systems (ERP, Sage, SAP) and advanced Excel skills (pivot tables, VLOOKUP).

* Excellent communication skills to interact with dealers, clients, and colleagues across the business.

What’s on Offer

* Supportive, flexible, and inclusive working environment

* Generous pension scheme

* We Care employee assist benefit

* Long service awards

* Hybrid / flexible working

* Hours of work are Monday - Friday 37.5 hours per week

* Easy access and free parking

* Career progression / international exposure through project work

* Group Income Protection and Group Life Assurance and Death in Service benefits

* 25 Days annual leave

* Long service bonus holiday (+ opportunity to buy and sell holiday)

Ready to take ownership of finance operations and work with complex asset finance portfolios? Apply today and join a team that values expertise, collaboration, and real impact