Job Description

Our dynamic UK-based peer-to-peer lending company is seeking an experienced and knowledgeable Senior Underwriter to join our team in Gravesend, Kent.

The ideal candidate will have a robust understanding of risk assessment, financial analysis, and lending regulations within the UK market and ideally within the bridging/peer-to-peer sector. This role plays a critical part in evaluating loan applications, ensuring the sound management of credit risk, and supporting the growth of our innovative lending platform.

Key Responsibilities

Risk Assessment:

Evaluate borrower applications by conducting detailed risk analysis, financial assessments, and creditworthiness reviews, ensuring compliance with internal policies and UK regulatory requirements.

Underwriting Decisions:

Make informed decisions regarding loan approvals and risk mitigation strategies, including determining appropriate interest rates, loan terms, and collateral requirements.

Portfolio Management:

Monitor existing loan portfolios, assess performance metrics, and proactively identify emerging risks or opportunities to enhance portfolio quality.

Policy Development:

Assist in the creation and refinement of underwriting guidelines, risk models, and decision frameworks, collaborating with cross-functional teams to improve underwriting processes.

Stakeholder Engagement:

Communicate underwriting decisions and recommendations to senior management, the risk team, and external stakeholders, including investors and regulators.

Regulatory Compliance:

Stay current with industry trends and changes in legislation related to lending, ensuring all underwriting practices adhere to relevant UK laws and standards.

Team Leadership:

Provide mentorship and guidance to junior underwriters, fostering a culture of continuous improvement and professional development.

Qualifications and Experience

Education:

A bachelor's degree in finance, economics, business, or a related field is preferred. A postgraduate qualification or professional certification is advantageous.

Experience:

Experience in underwriting, credit risk assessment, or a related financial role, preferably within the lending or financial services sector.

Industry Knowledge:

Solid understanding of peer-to-peer lending dynamics and UK credit regulations, with a proven track record of making sound, data-driven decisions.

Analytical Skills:

Proficiency in financial analysis, risk modelling, and statistical techniques, with the ability to interpret complex financial data and market trends.

Communication Skills:

Excellent written and verbal communication skills, with the ability to explain complex underwriting decisions to both technical and non-technical stakeholders.

IT Proficiency:

Familiarity with underwriting software, financial modelling tools, and databases. Advanced Excel skills are essential.

Key Competencies

Attention to Detail:

A meticulous approach to data analysis and risk evaluation, ensuring accuracy and reliability in underwriting decisions.

Problem Solving:

Ability to assess complex situations and develop innovative solutions that balance risk with opportunity.

Decision-Making:

Confident and timely decision-making skills, with a keen sense of responsibility towards protecting the company's financial health.

Team Collaboration:

Strong interpersonal skills with the ability to work effectively within a diverse team and mentor junior staff members.

Benefits

Competitive Salary:

A competitive annual salary of 38,000 - 48,000 based on experience.

Career Development:

Opportunities for professional growth, including training programs and potential career progression within our expanding company.

Dynamic Work Environment:

Be part of an innovative, fast-growing peer-to-peer lending company at the forefront of financial technology.

Supportive Culture:

Work in a collaborative and inclusive environment that values your expertise and contributions.

Application Process

Interested candidates should submit a comprehensive CV and a cover letter detailing relevant experience and explaining how you can contribute to the success of our underwriting team. Please address your application to the Molly Hepburn @ m.hepburn@kuflink.com. The role is an office based role.

Join us in shaping the future of peer-to-peer lending in the UK. We look forward to hearing from you!

Job Types: Full-time, Permanent

Pay: 38,000.00-48,000.00 per year

Additional pay:

Performance bonus
Benefits:

Bereavement leave Casual dress Company events Company pension Discounted or free food Enhanced maternity leave Enhanced paternity leave Free flu jabs Free parking On-site parking UK visa sponsorship
Schedule:

Monday to Friday
Application question(s):

Are you aware this is an office based role. The office is in Gravesend, Kent.
Experience:

Underwriting: 3 years (required)
Location:

Gravesend DA11 0BF (preferred)
Work Location: In person

Reference ID: Underwriter