Senior Credit Underwriter
Location: Wolverhampton
Salary: Competitive + Benefits
Type: Full-time, Permanent

An exciting opportunity has arisen for an experienced Senior Credit Underwriter to play a pivotal role within a growing lending business. This is a senior leadership position responsible for overseeing credit decision-making, managing a team of sanctioners, and working closely with the Head of Business Development to ensure high-quality, compliant lending delivered within agreed SLAs.

You will be instrumental in shaping credit policy, improving processes, coaching teams, and ensuring lending decisions reflect both risk appetite and the wider macro-economic environment.

*Lead and manage the team of sanctioners, ensuring consistent, robust and appropriate credit decisions.
*Act as first-line approval for progressing new loan appraisals and due diligence submitted by BDMs.
*Ensure strict adherence to credit policies, funding rules and guarantee scheme requirements.
*Review, update and enhance credit policies, procedures and loan appraisal processes.
*Keep abreast of macro-economic, political and sector-specific risks, adapting credit policy and training accordingly.
*Organise sanctioner availability to ensure SLAs for sanction and release are consistently met.
*Provide coaching, training and development to the BDM team on loan appraisals and credit quality.
*Support the Head of Business Development with the induction and training of new BDMs.
*Provide ongoing training and support to sanctioners to drive consistency and quality.
*Work closely with Portfolio Managers to review problem loans, identify learnings, and implement improvements to credit policy and processes.
*Ensure loan paperwork is prepared accurately, efficiently and within required SLAs.
*Oversee the end-to-end process from sanction through to loan release alongside the Head of Business Development.
*Ensure loans are released efficiently and in line with service standards.
*At the end of each week, document expectations for sanction and release for the following week.

About you:

*Proven experience in credit underwriting within a lending or financial services environment
*Strong people leadership experience, including managing and developing teams
*Excellent understanding of credit risk, loan appraisal and policy governance
*Experience working closely with business development and portfolio management teams
*Commercially astute with the ability to balance risk and growth
*Highly organised with a strong focus on SLAs, process improvement and quality
*Confident communicator, able to influence at leadership level

Why Join?

*Excellent company benefits including - company pension scheme, 28 days annual leave, Healthcare cash plan, car allowance and discretionary bonus
*Senior, influential role with genuine ownership of credit strategy
*Opportunity to shape and evolve credit policy and processes
*Collaborative leadership team and growing organisation
*Clear visibility and impact at board/leadership level