Credit Underwriter

Head Office

Our expanding Credit and Underwriting Team is looking to recruit an experienced and motivated Credit Underwriter to be based in Letchworth.

As a Credit Underwriter you will assess new lending applications for quality, credit risk, and adherence with the bank’s policies and lending appetite whilst giving a market leading service to the Bank’s customers and stakeholders.

Reporting in to the Director of Credit and Underwriting, this is an excellent opportunity for a bright, ambitious person to strengthen an outstanding team. Your main responsibilities will include analysing, assessing and summarising individual property lending cases for Professional Landlords and also trading businesses, and provide recommendations to the Bank’s Credit Committee.

Other Key Accountabilities will be:

  • Detailed research, analysis and investigation of individual lending applications, ensuring all risks are identified

  • Identification of policy or protocol exceptions, with suitable recommendations of any remedial actions required

  • Provide support where needed to ensure that all post-sanction administration procedures are timely and compliant with Bank’s policies and procedures including the maintenance of appropriate MI

  • Maintain good working relationships with all legal and valuer panel partners to ensure smooth and timely exchange of correspondence and communication

  • Contribute and work with the Director of Credit & Underwriting on strategic initiatives developed to improve the banks performance or controls as requested

  • Develop and maintain close working relationships with, and provide support to members of the Business Development Team.

The candidate will have proven experience of Underwriting Commercial and Residential Property investment loans to Professional investors and it is preferred if the candidate also has experience in Underwriting Property Development loans. The candidate will also need to be able to manage relationships at key levels and be a team player with a collaborative style to work across all areas of the business. The candidate is likely to have gained this experience in a Commercial Bank or a new Challenger Bank.

This is a fantastic opportunity for a highly-motivated self-starter, who is able to work on their own initiative to deliver high-quality end to end customer service to join us on our journey.


To find out more or to apply for this role, please email your CV and covering note to our HR team.

Send an email to our HR team

Our People

Jonathan Rowland

Non-Executive Director & Co-Founder

Jonathan has 25 years’ experience as an Investor and Director of Public and Private Companies globally.

Read more
David Buckley

Non-Executive Director, Chairman

David holds a number of non-executive and advisory board positions and is currently Independent Non-Executive Director and Chair of the Audit Committee for CIBC World Markets plc.

Read more
Gary Wilkinson

Chief Executive Officer & Co-Founder

Gary has 30 years’ experience within financial services, in both the banking and building society sectors.

Read more
Nigel Boothroyd

Non-Executive Director, Chair of Risk Committee

Nigel possesses significant executive-level experience within financial services, having spent some 38 years at HSBC Group.

Read more
Brian Mulholland

Chief Financial Officer

Brian has nearly 20 years’ experience in senior finance and treasury roles, and was most recently the Finance Director of both Coutts and Adam & Company.

Read more
Graham Reynolds

Chief Development Officer

Graham has over 25 years’ experience in banking, working across a number of different fields.

Read more
Darren Clarke

Director of Operations

Darren has over 25 years experience in Financial Services having worked in senior positions for HSBC, Santander, Lloyds and RBS.

Read more
Eleanor Kenny

General Counsel & Company Secretary

Eleanor is a corporate lawyer with extensive corporate and commercial experience.

Read more
Chris Platt

Director of Credit & Underwriting

Chris has over 35 years’ experience in Banking. He has worked across a number of areas and businesses at both RBS and NatWest.

Read more
Chris Finnigan

Senior Business Development Manager (Head of North Region)

Chris has 29 years’ experience in the Banking industry, mainly with the Royal Bank of Scotland Group in the North West of England.

Read more