Credit Underwriter - Hybrid

Overview

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.

• 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.

• 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.

• 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.