Job description
Senior Underwriter

Responsible for leading the underwriting team under the directive of Senior UW managers, to ensure all applications are expertly evaluated, maintaining and promoting good governance, credit process and agreed services levels.

Using your knowledge and experience, you will evaluate recommendations up to your mandate, provide underwriting support to the wider team as well as underwrite loan applications. Ensuring Funding Circle values are being promoted internally and externally. Collaborate with a range of stakeholders but be primarily engaged with the underwriting team and report into Senior Underwriting Manager.

Who are we?

We're Funding Circle. We back small businesses to succeed.

At Funding Circle, we believe the world needs small businesses. That's why we've made it our mission to help them get the finance they need to grow.

With more than a decade of expertise under our belt, we've built a game-changer of a platform with cutting-edge data and technology that's reshaping the landscape of SME lending. Say goodbye to lengthy applications and hello to lightning-fast decisions! In just minutes, SMEs across the UK can get a decision, giving them access to competitive funding in a flash.

We know that good business is about good people. So we pride ourselves on providing meaningful, human support as well as fast, hassle free processes to deliver an unbeatable customer experience.

The role
• Analyse credit data and financial statements including financial ratios to determine the degree of risk involved in extending credit.
• Interpret and evaluate market, sector, and portfolio considerations to determine the degree of risk involved in extending credit.
• Timely review of recommendations and applications within agreed service levels.
• Make recommendations for the ongoing development of systems, processes and business practices to provide improvements in efficiency and capacity.
• Help to enhance the quality of credit applications
• Provide appropriate advice and guidance to colleagues ensuring that commercial opportunities are maximised without compromising Funding Circle's risk management.
• Ensuring reportees underwrite within their given mandates and ensuring FCA, AML, KYC and Funding Circle guidelines and policies are being adhered to.
• Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day

What we're looking for
• Very good analytical skills with a sound presence of commerciality and business focus.
• Ability to structure transactions based upon market sector, asset and security
• Ability to plan, organise, prioritise and manage time.
• Coaching and development of Underwriting team.
• Very good interpersonal and communication skills with ability to constructively challenge.
• Energises and motivates others and gets the best out of their team

At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn't align perfectly with the requirements.

Want to learn more?
• We have a huge impact on the businesses that borrow through our platform, the communities they serve and the overall economy (last year £6.9bn of GDP generated). You can read our full Impact Report here: https://www.fundingcircle.com/uk/impact
• To see what our customers think, visit our Trustpilot page: https://uk.trustpilot.com/review/fundingcircle.com
• And we're still evolving! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together and meet the needs of SME customers like no other.

Why join us?

At Funding Circle, we celebrate and support the differences that make you, you. We're proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better .

We back our Circlers to build their own incredible career, making a difference to small businesses every day. Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Weath, Development & Lifestyle.

A few highlights:
• Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, access to free online therapy sessions and exclusive discounts with Hertility for reproductive health support.
• Wealth: Octopus Money Coach, free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
• Development: Dedicated annual learning allowance and full access to internal learning platform.
• Lifestyle: Wellhub (for fitness discounts), Electric Car Scheme and more!

And finally, we have award winning parental leave policies supporting parents through enhanced maternity, partner and adoption leave, as well as additional leave for parental bereavement and for fertility treatments.

Ready to make a difference? We'd love to hear from you.

EFCSP