Head of Underwriting - Commercial Finance

Strategic leadership role |
Broad multi-product underwriting exposure |
High-growth specialist lender |
Strong long-term career potential

If you’re an experienced senior underwriter looking to step into a broader leadership position, this Head of Underwriting opportunity offers the chance to shape underwriting standards, influence credit policy, and lead a high-performing team within a growing specialist lender. You’ll work across property-backed lending, asset finance refinance, and wider asset-based lending in a commercially focused environment.

This role combines hands‑on underwriting with strategic oversight. You’ll have the autonomy to influence risk appetite, improve underwriting processes, and work closely with senior stakeholders across the business while remaining close to complex deal structuring and credit decisioning.

• Salary £90,000-£110,000 per annum.
• Annual performance‑related bonus.
• 28 days annual leave plus bank holidays, with the option to buy or sell up to five days.
• 10% employer pension contribution.
• Private medical insurance, health cash plan and employee assistance programme.
• Electric car salary sacrifice scheme and additional retail and gym discounts.

You’ll be joining a well‑established specialist lender operating across multiple secured funding products for SMEs and entrepreneurs. The business has built a strong reputation within the market and continues to grow through a relationship‑led, commercially pragmatic approach to lending.

• Lead, develop and support the underwriting team across a multi‑product lending portfolio.
• Provide oversight to ensure lending decisions remain aligned to credit policy and risk appetite.
• Support the structuring and underwriting of complex lending proposals within your own mandate.
• Work closely with senior stakeholders to strengthen underwriting frameworks, processes and operational efficiency.

• Strong underwriting experience within property‑backed lending, asset finance refinance, or wider asset‑based lending.
• Experience leading or developing underwriting teams within a regulated lending environment.
• Proven ability to structure commercially viable lending solutions while maintaining robust credit standards.