Senior Credit Underwriter

Senior Credit Underwriter SME Lending and Commercial Credit Decisioning Northampton (Office-Based) 50,000 - 70,000 DOE + Annual Bonus + Private Healthcare + Enhanced Pension + Benefits Some credit environments are built around scorecards, rules engines and committees. This one is built around people who can think. The OpportunityA high-growth specialist SME lender is seeking a Senior Credit Underwriter to take a central role within its commercial credit function. This is a business where underwriting sits at the intersection of data science, commercial lending and analytical rigour - and where the quality of individual credit judgement genuinely drives portfolio outcomes.The organisation has invested heavily in proprietary technology, data infrastructure and AI-driven decisioning capability. The underwriting team does not simply operate within that framework - it helps to shape it. Senior Underwriters here carry real sanctioning authority, influence credit policy, and work closely with leadership on complex, higher-value and exception transactions. Why This Role Stands OutChallenger banking and fintech lending have produced some of the sharpest credit minds in the UK market. But many professionals at this level find themselves constrained - by risk committees, by rigid automated models that leave little room for judgement, or by growth ceilings in businesses that are scaling faster than their talent frameworks.This business is different. It values the combination of strong ..... full job details .....