27 jobs found

Confidential Opportunity - Senior Credit Risk Analyst / Portfolio Risk Manager Birmingham Specialist Property & Structured Lending Environment Our client is a growing UK financial services organisation operating within the specialist property-backed lending sector. With a current lending portfolio of approximately £250m and further capital expansion planned, the business continues to strengthen its risk infrastructure as part of its next phase of growth. The organisation operates within a highly regulated environment and has established a strong reputation for disciplined underwriting, prudent governance and customer-focused lending solutions across Home Purchase Plans, Buy-to-Let (BTL), Bridging / Development broader specialist finance products. As part of the continued evolution of the Risk function, the business is now seeking to appoint a commercially minded and technically capable Credit Risk professional with strong analytical capability, IFRS9 knowledge and experience across portfolio risk, modelling and risk framework development. This position represents an excellent opportunity for an individual looking to play a genuinely influential role within a growing lending platform, working closely with senior leadership and governance committees while helping shape the future direction of portfolio risk oversight. Role Overview The successful individual will play a key role in the ongoing development, monitoring and enhancement of the organisation's credit risk framework, with particular focus across portfolio analytics, IFRS9 methodology, stress testing, impairment analysis and proactive risk identification. The role will suit an individual capable not only of producing high-quality analysis and reporting, but also interpreting portfolio trends, identifying emerging risks and helping drive meaningful risk-based decision making across the wider business. The position sits closely alongside the broader Second Line Risk function and will involve regular exposure to senior stakeholders, governance committees and strategic risk discussions. Key Responsibilities Monitor and assess the performance of the firm's HPP, BTL, Bridging and specialist lending portfolios, identifying emerging trends, concentration risks and early warning indicators. Support the development, enhancement and ongoing calibration of IFRS9 / Expected Credit Loss (ECL) methodologies and portfolio impairment frameworks. Contribute toward the design, implementation and refinement of credit risk models, stress testing frameworks and scenario analysis tools. Produce portfolio analytics, MI and risk reporting for Executive Committees, Credit Committees and Board-level governance forums. Assist in the ongoing development of credit risk policies, risk appetite frameworks and portfolio governance standards. Analyse arrears performance, delinquency trends, forbearance activity and portfolio migration behaviour to support proactive risk management decisions. Work closely with Underwriting, Finance, Compliance and Operations teams to ensure robust risk oversight across the lending lifecycle. Support risk-based decision making through meaningful interpretation of portfolio data and forward-looking risk indicators. Assist in the maintenance and development of enterprise risk registers, governance reporting and broader 2LoD oversight processes. Act as Secretariat support to Credit Committee and associated governance forums where required. Contribute toward regulatory and internal audit responses relating to portfolio risk, impairment modelling and governance controls. Support ongoing enhancement of risk frameworks as the business expands into additional lending and commercial finance sectors. Skills & Experience Required Experience within Credit Risk, Portfolio Risk, Risk Analytics or IFRS9-focused roles gained within banking, specialist lending, mortgages, real estate finance, challenger banking or wider financial services environments. Strong understanding of IFRS9 standards, Expected Credit Loss (ECL) methodologies and impairment modelling principles. Experience supporting or developing credit risk models, stress testing frameworks or scenario analysis processes. Strong analytical capability with the ability to interpret complex portfolio data and convert findings into meaningful commercial insight. Understanding of UK regulated lending environments including FCA expectations, governance standards and prudent risk management principles. Experience preparing senior-level risk reporting, committee packs and portfolio analysis documentation. Advanced Excel skills and exposure to portfolio analytics, data modelling or risk reporting tools. Strong communication skills with the confidence to engage with senior stakeholders across Risk, Finance and Lending functions. Highly organised with strong attention to detail and the ability to operate within a growing and evolving lending environment. Highly Desirable Exposure to property finance, bridging finance, specialist mortgages or buy-to-let lending. Experience operating within a Second Line of Defence (2LoD) framework. Exposure to SAS, SQL, Power BI, Python or other analytical / modelling tools. Experience contributing toward risk appetite frameworks, portfolio strategy or impairment governance. This is an excellent opportunity to join a well-capitalised lending platform at an important stage of its evolution. Please note this role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office maximum. We currently have employees in the office commuting into us from most areas including London, Northampton, Nottingham, Gloucester, Coventry, Birmingham, Stoke, Leicester, Derby.

Confidential Opportunity - Senior Credit Risk Analyst / Portfolio Risk Manager Birmingham Specialist Property & Structured Lending Environment Our client is a growing UK financial services organisation operating within the specialist property-backed lending sector. With a current lending portfolio of approximately £250m and further capital expansion planned, the business continues to strengthen its risk infrastructure as part of its next phase of growth. The organisation operates within a highly regulated environment and has established a strong reputation for disciplined underwriting, prudent governance and customer-focused lending solutions across Home Purchase Plans, Buy-to-Let (BTL), Bridging / Development broader specialist finance products. As part of the continued evolution of the Risk function, the business is now seeking to appoint a commercially minded and technically capable Credit Risk professional with strong analytical capability, IFRS9 knowledge and experience across portfolio risk, modelling and risk framework development. This position represents an excellent opportunity for an individual looking to play a genuinely influential role within a growing lending platform, working closely with senior leadership and governance committees while helping shape the future direction of portfolio risk oversight. Role Overview The successful individual will play a key role in the ongoing development, monitoring and enhancement of the organisation's credit risk framework, with particular focus across portfolio analytics, IFRS9 methodology, stress testing, impairment analysis and proactive risk identification. The role will suit an individual capable not only of producing high-quality analysis and reporting, but also interpreting portfolio trends, identifying emerging risks and helping drive meaningful risk-based decision making across the wider business. The position sits closely alongside the broader Second Line Risk function and will involve regular exposure to senior stakeholders, governance committees and strategic risk discussions. Key Responsibilities Monitor and assess the performance of the firm's HPP, BTL, Bridging and specialist lending portfolios, identifying emerging trends, concentration risks and early warning indicators. Support the development, enhancement and ongoing calibration of IFRS9 / Expected Credit Loss (ECL) methodologies and portfolio impairment frameworks. Contribute toward the design, implementation and refinement of credit risk models, stress testing frameworks and scenario analysis tools. Produce portfolio analytics, MI and risk reporting for Executive Committees, Credit Committees and Board-level governance forums. Assist in the ongoing development of credit risk policies, risk appetite frameworks and portfolio governance standards. Analyse arrears performance, delinquency trends, forbearance activity and portfolio migration behaviour to support proactive risk management decisions. Work closely with Underwriting, Finance, Compliance and Operations teams to ensure robust risk oversight across the lending lifecycle. Support risk-based decision making through meaningful interpretation of portfolio data and forward-looking risk indicators. Assist in the maintenance and development of enterprise risk registers, governance reporting and broader 2LoD oversight processes. Act as Secretariat support to Credit Committee and associated governance forums where required. Contribute toward regulatory and internal audit responses relating to portfolio risk, impairment modelling and governance controls. Support ongoing enhancement of risk frameworks as the business expands into additional lending and commercial finance sectors. Skills & Experience Required Experience within Credit Risk, Portfolio Risk, Risk Analytics or IFRS9-focused roles gained within banking, specialist lending, mortgages, real estate finance, challenger banking or wider financial services environments. Strong understanding of IFRS9 standards, Expected Credit Loss (ECL) methodologies and impairment modelling principles. Experience supporting or developing credit risk models, stress testing frameworks or scenario analysis processes. Strong analytical capability with the ability to interpret complex portfolio data and convert findings into meaningful commercial insight. Understanding of UK regulated lending environments including FCA expectations, governance standards and prudent risk management principles. Experience preparing senior-level risk reporting, committee packs and portfolio analysis documentation. Advanced Excel skills and exposure to portfolio analytics, data modelling or risk reporting tools. Strong communication skills with the confidence to engage with senior stakeholders across Risk, Finance and Lending functions. Highly organised with strong attention to detail and the ability to operate within a growing and evolving lending environment. Highly Desirable Exposure to property finance, bridging finance, specialist mortgages or buy-to-let lending. Experience operating within a Second Line of Defence (2LoD) framework. Exposure to SAS, SQL, Power BI, Python or other analytical / modelling tools. Experience contributing toward risk appetite frameworks, portfolio strategy or impairment governance. This is an excellent opportunity to join a well-capitalised lending platform at an important stage of its evolution. Please note this role is Birmingham based and so we are sharing this role across locations where it is commutable within 1.5 hours of the Head Office. Solihull has a rail startion and the firm has large car park. The expectations of employees are only once or twice per week in the office maximum. We currently have employees in the office commuting into us from most areas including London, Northampton, Nottingham, Gloucester, Coventry, Birmingham, Stoke, Leicester, Derby.

Job Title: Broker Underwriting Support Employment Type: 6 Month FTC Location: Manchester Hybrid 2 days WFH Salary: Up to circa £33,000 Benefits: 25 Days rising to 30 days with service + plus your birthday off Personal pension scheme with generous matched company contributions Life Assurance Private Medical cover with Bupa (single cover) Holiday buy/sell scheme (up to 5 days) Eye care reimbursement Employee Assistance Programme Recognition awards Social events such as paid-for Summer/Christmas Parties Superb learning and development opportunities About the position of Broker Underwriting Support: We're looking for an experienced Case Manager or Broker Support professional from a lender environment, with strong knowledge of residential and/or second charge mortgages. You'll manage cases end to end, assessing applications against lending policy, ensuring all documentation is in place, and progressing deals efficiently and accurately within service levels. A "right first time" mindset is essential, along with the ability to build strong relationships with brokers and internal teams to keep cases moving and deliver great outcomes. Responsibilities for the position of Broker Underwriting Support: Manage a pipeline of mortgage applications end-to-end, ensuring fast, accurate progression in line with SLA's, KPI's, and service standards Deliver a first-class broker and customer experience through proactive, clear, and consistent communication throughout the journey Assess applications against lending policy, criteria, and risk appetite to make sound, informed decisions Review and verify all supporting documentation, including valuations, credit files, income evidence, and bank statements Work closely with brokers, packagers, and internal teams to drive cases forward and remove barriers to completion Proactively manage outstanding requirements, keeping all parties fully informed at every stage Refer and escalate complex or non-standard cases to appropriate mandate holders with a clear rationale Ensure full compliance with regulatory requirements, internal policies, and governance frameworks Experience required for the position of Broker Underwriting Support: Previous experience in Case Management, Underwriting Support, or Broker Desk roles within residential and/or second charge mortgages Ideally gained within a lender environment, with a strong understanding of mortgage processes, policy, and lending criteria Confident in managing applications end-to-end, including reviewing documentation and progressing cases through to completion Strong awareness of regulatory, compliance, and customer outcome requirements within a lending environment Proven ability to work accurately and efficiently in a fast-paced, SLA-driven setting while supporting brokers and delivering great customer outcomes For more information regarding the role of Broker Underwriting Support , please contact us. Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.

Would you like to kick start your career in a supportive, collaborative and innovative company? Do you enjoy working as part of an enthusiastic, passionate, and collaborative team? Join our Credit Underwriting team The credit underwriting team is a business critical, growing, and dynamic team led by the Head of Credit & Commercial risk who reports into the Group Financial Controller. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit underwriting team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving environment. Success. The Softcat Way. There's a uniqueness to Softcat - what we do, how we do it and why we do it. That's because we help customers to use technology to succeed, by putting our employees first. We give everyone the chance to step up and show how much they can achieve. We succeed when all our people succeed. Be part of a team that enables business growth This role is part of the Finance Management team and will lead the credit underwriting team supporting our rapidly growing and dynamic IT solutions business. This passionate, highly numerate underwriter will work closely with our finance and sales teams as well as external stakeholders, insurance brokers and customers alike, to maintain credit risk controls within an existing framework and provide a unique service to our customers. As a Credit Underwriting Manager , you'll be responsible for : Analyse customer risk profiles and validate automated credit scorecards Produce monthly risk reports and support senior credit governance forums Manage credit exposure, limits, and portfolio risk across customers and sectors Lead and develop senior underwriters, including performance, hiring, and KPIs Support board approvals and senior decision making within agreed authority levels Oversee trade credit insurance, budgets, and process improvements Manage and monitor the Deputy Credit Risk Manager performance, manage KPI's during a performance management process through having challenging conversations Stre amli ning proces ses whe re need ed Partner closely with senior stakeholders across the business to align credit strategy Participating in credit review meetings with the senior leadership team, displaying understanding of customers who have gone into administrations, high exposure risks, industry updates and credit assessment SLA overviews. We'd love you to have Strong risk assessment and analytical skills Proven leadership and team management experience Solid knowledge of underwriting regulations and compliance Commercial and financial awareness Confident decision making and stakeholder communication Strong knowledge across different areas of the business to ensure organisational goals are met. Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures. Experience s upporting the gro w th and d evelo pment of team me mbers . We also acknowledge that the confidence gap and imposter syndrome are a real thing and can get in the way of us meeting fantastic talent, so please don't hesitate to apply - we would love to hear from you! Work in a way that works for you We recognise that everyone is different and that the way in which people want to work and deliver at their best is different for everyone too. In this role, we can offer the following flexible working patterns: Hybrid working - 3 days in the office and 2 days working from home Working flexible hours - flexing the times you start and finish during the day Flexibility around school pick up and drop offs Working with us Wherever you work, we want you to experience the freedom and autonomy to realise your potential. You will feel supported by a team that celebrates individuality, encourages different perspectives, and embraces every background. Join us To become part of the success story, please apply now. If you have a disability or neurodiversity, we can provide support or adjustments that you may need throughout our recruitment process or any mitigating circumstance you wish for us to consider. Any information you share on your application will be treated in confidence. You can find out more about life at Softcat and our commitments to diversity and inclusion at Here at Softcat, we don't prohibit the use of AI (artificial intelligence) in our application process, as we understand how far it can go to creating a truly equitable candidate experience. That being said, as a culture-driven organisation, we believe that the genuine essence of each person is what truly matters, so we highly encourage you to be as authentically you as possible when submitting your application to showcase your true and whole self.

Would you like to kick start your career in a supportive, collaborative and innovative company? Do you enjoy working as part of an enthusiastic, passionate, and collaborative team? Join our Credit Underwriting team The credit underwriting team is a business critical, growing, and dynamic team led by the Head of Credit & Commercial risk who reports into the Group Financial Controller. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit underwriting team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving environment. Success. The Softcat Way. There's a uniqueness to Softcat - what we do, how we do it and why we do it. That's because we help customers to use technology to succeed, by putting our employees first. We give everyone the chance to step up and show how much they can achieve. We succeed when all our people succeed. Be part of a team that enables business growth This role is part of the Finance Management team and will lead the credit underwriting team supporting our rapidly growing and dynamic IT solutions business. This passionate, highly numerate underwriter will work closely with our finance and sales teams as well as external stakeholders, insurance brokers and customers alike, to maintain credit risk controls within an existing framework and provide a unique service to our customers. As a Credit Underwriting Manager , you'll be responsible for : Analyse customer risk profiles and validate automated credit scorecards Produce monthly risk reports and support senior credit governance forums Manage credit exposure, limits, and portfolio risk across customers and sectors Lead and develop senior underwriters, including performance, hiring, and KPIs Support board approvals and senior decision making within agreed authority levels Oversee trade credit insurance, budgets, and process improvements Manage and monitor the Deputy Credit Risk Manager performance, manage KPI's during a performance management process through having challenging conversations Stre amli ning proces ses whe re need ed Partner closely with senior stakeholders across the business to align credit strategy Participating in credit review meetings with the senior leadership team, displaying understanding of customers who have gone into administrations, high exposure risks, industry updates and credit assessment SLA overviews. We'd love you to have Strong risk assessment and analytical skills Proven leadership and team management experience Solid knowledge of underwriting regulations and compliance Commercial and financial awareness Confident decision making and stakeholder communication Strong knowledge across different areas of the business to ensure organisational goals are met. Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures. Experience s upporting the gro w th and d evelo pment of team me mbers . We also acknowledge that the confidence gap and imposter syndrome are a real thing and can get in the way of us meeting fantastic talent, so please don't hesitate to apply - we would love to hear from you! Work in a way that works for you We recognise that everyone is different and that the way in which people want to work and deliver at their best is different for everyone too. In this role, we can offer the following flexible working patterns: Hybrid working - 3 days in the office and 2 days working from home Working flexible hours - flexing the times you start and finish during the day Flexibility around school pick up and drop offs Working with us Wherever you work, we want you to experience the freedom and autonomy to realise your potential. You will feel supported by a team that celebrates individuality, encourages different perspectives, and embraces every background. Join us To become part of the success story, please apply now. If you have a disability or neurodiversity, we can provide support or adjustments that you may need throughout our recruitment process or any mitigating circumstance you wish for us to consider. Any information you share on your application will be treated in confidence. You can find out more about life at Softcat and our commitments to diversity and inclusion at Here at Softcat, we don't prohibit the use of AI (artificial intelligence) in our application process, as we understand how far it can go to creating a truly equitable candidate experience. That being said, as a culture-driven organisation, we believe that the genuine essence of each person is what truly matters, so we highly encourage you to be as authentically you as possible when submitting your application to showcase your true and whole self.

Job Title: Buy-to-Let Underwriter Location: London Hybrid 2 days WFH Salary: Up to £55,000 Working Hours: Monday to Friday 9 am to 5.30 pm Benefits: 25 Days Holiday + Bank/Public holidays Pension scheme Private healthcare Discretionary Bonus Other flexible benefits About the role of Underwriter: Join a growing, intermediary-only specialist lender as a Buy to Let Underwriter, working as part of a busy Buy to Let team. You'll manually underwrite a range of specialist and more complex cases, assessing and approving mortgage applications in line with lending policy. Managing a varied pipeline, you'll make clear, commercially sound decisions and confidently explain your rationale, particularly on more complex deals. Responsibilities required for the role of Underwriter: Ensure all new lending proposals are underwritten in accordance with the Company's Lending Policy, with any exceptions clearly documented and approved by the appropriate senior signatories Provide clear, concise lending recommendations to senior signatories for proposals requiring exceptions or falling outside mandate parameters Prepare and present Credit Papers to the Credit Committee for high-value transactions Review, assess and appraise both short- and long-form valuation reports Liaise with intermediaries on new enquiries and proposals, clearly communicating underwriting requirements and/or reasons for decline Work closely with Pipeline and Completions Managers to ensure underwriting requirements and special conditions are fully understood and appropriately applied Experience required for the role of Underwriter: A min of a year's experience in a Buy to Let Mortgage Underwriting role. Held a mandate for £350K + Experience of presenting proposals to senior signatories Knowledge of different property asset types, including HMO, Multi Unit Freehold blocks, office to residential- permitted development schemes Pragmatic approach to lending For more information regarding the role of Buy-to-Let Underwriter , please contact us. Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.

Our client, a leading specialist lender, is on the hunt for a results-oriented Business Development Manager to join their expanding team in either London, the Midlands, Wales or the South West. If you have a solid broker network and a passion for deal origination and you want to be rewarded with decent commission then this could be the perfect opportunity for you. This role offers a competitive base salary (OTE (Apply online only), 000 pa) and a realistic earning potential of six figures. This will be a role that will be home / field based and provides you with autonomy and you'll have an exceptional credit risk & underwriting team to support. As a Business Development Manager, you'll be at the forefront of deal origination in bridging and development finance. Originating loan opportunities through a robust broker network. Managing a personal pipeline from enquiry to completion. Building and strengthening relationships with brokers, introducers, and developers. Identifying and pursuing new business opportunities effectively. Representing the company at various industry events. Collaborating with internal teams to ensure smooth deal progression. Providing valuable market insights to aid product development. Package and Benefits: The Business Development Manager role comes with a comprehensive package: Excellent commission structure. Direct access to decision-makers for fast deal execution. The ideal candidate for the Business Development Manager role will have: Proven experience in originating bridging and/or development finance deals. An established broker and introducer network in your region. Sales experience within specialist lending. Proven skills in relationship-building, influencing, and negotiation. A proactive and entrepreneurial mindset focused on achieving results. If you have experience or interest in roles such as Business Development Manager, Loan Originator, Relationship Manager, Sales Executive, or Lending Specialist, this Business Development Manager position could be the perfect fit for you. If you're ready to take your career to the next level as a Business Development Manager in bridging and development finance, we want to hear from you. Reach out to Charlotte Walker at Fintelligent for a confidential conversation or send your CV today for immediate consideration.

Job Title: Business Development Executive Working the Windsor office and conducting site visits across England and Wales Overview: 1. You will be conducting site visits to potential borrowers at their place of business to assess if we are proceeding to a lending decision. 2. You will be assessing director behaviour, business sector and collating any further documentation required to determine your final lending decision. 3. You will be looking at the risks involved with the business and put these factors towards the lending decision. 4. The information that is gathered at the underwriting stage will also support you to conduct the visit. 5. You will be required to present the site visit findings to the Loan Sales Manager along with your business decision as to whether we should approve the lending decision. 6. You will be required to build a business relationship with the director(s) you meet during your site visits to enable a solid line of communication. You be required to make contact directly with the director(s) to confirm, re-arrange and ensure that the director has all necessary documents and proof prepared for their visit. 7. A strong understanding of commercial lending, risk assessment and financial analysis is required. 8. Absolute professionalism whilst representing the company is essential. 9. Strong time management is vital in this role. Role Responsibilities • Support the underwriting team by underwriting cases when you are not out on the road. • Maintain an understanding of and comply with all relevant lending regulations, including those from financial regulatory bodies and internal lending policies. • Upon completion of the site visit, ensure you carry out a post visit meeting with the Loan Sales Manager, at this stage you must ensure you raise any red flags/ concerns regarding the business we are considering lending to. • Evaluate creditworthiness and risks of loan applicants by analysing financial data including income, financial statements, and collateral when underwriting cases. • Provide excellent customer service by promptly responding to questions and concerns from loan applicants, explaining the loan application process, and communicating decisions effectively. • Keep yourself updated on loan products, underwriting standards, and collections procedures. • Ensure all documentation and ID Verification checks are prepared and completed to a satisfactory standard before submitting the case to the lending department. • Be able to operate with proficiency CRM systems and keep accurate notes and documentation. • Make it your responsibility to know your customers. Requirements: • Use of own car as you will be required to drive to our customers (monthly car allowance). • Confident, friendly and a professional manner is required at all times as you will representing the company when onsite visits. • Excellent interpersonal and communication skills. • Excellent analytical and decision-making abilities. • Knowledge of loan compliance and regulatory standards.

Would you like to kick start your career in a supportive, collaborative and innovative company? Do you enjoy working as part of an enthusiastic, passionate, and collaborative team? Join our Credit Underwriting team The credit underwriting team is a business critical, growing, and dynamic team led by the Head of Credit & Commercial risk who reports into the Group Financial Controller. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit underwriting team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving environment. Success. The Softcat Way. There's a uniqueness to Softcat - what we do, how we do it and why we do it. That's because we help customers to use technology to succeed, by putting our employees first. We give everyone the chance to step up and show how much they can achieve. We succeed when all our people succeed. Be part of a team that enables business growth This role is part of the Finance Management team and will lead the credit underwriting team supporting our rapidly growing and dynamic IT solutions business. This passionate, highly numerate underwriter will work closely with our finance and sales teams as well as external stakeholders, insurance brokers and customers alike, to maintain credit risk controls within an existing framework and provide a unique service to our customers. As a Credit Underwriting Manager , you'll be responsible for : Analyse customer risk profiles and validate automated credit scorecards Produce monthly risk reports and support senior credit governance forums Manage credit exposure, limits, and portfolio risk across customers and sectors Lead and develop senior underwriters, including performance, hiring, and KPIs Support board approvals and senior decision making within agreed authority levels Oversee trade credit insurance, budgets, and process improvements Manage and monitor the Deputy Credit Risk Manager performance, manage KPI's during a performance management process through having challenging conversations Stre amli ning proces ses whe re need ed Partner closely with senior stakeholders across the business to align credit strategy Participating in credit review meetings with the senior leadership team, displaying understanding of customers who have gone into administrations, high exposure risks, industry updates and credit assessment SLA overviews. We'd love you to have Strong risk assessment and analytical skills Proven leadership and team management experience Solid knowledge of underwriting regulations and compliance Commercial and financial awareness Confident decision making and stakeholder communication Strong knowledge across different areas of the business to ensure organisational goals are met. Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures. Experience s upporting the gro w th and d evelo pment of team me mbers . We also acknowledge that the confidence gap and imposter syndrome are a real thing and can get in the way of us meeting fantastic talent, so please don't hesitate to apply - we would love to hear from you! Work in a way that works for you We recognise that everyone is different and that the way in which people want to work and deliver at their best is different for everyone too. In this role, we can offer the following flexible working patterns: Hybrid working - 3 days in the office and 2 days working from home Working flexible hours - flexing the times you start and finish during the day Flexibility around school pick up and drop offs Working with us Wherever you work, we want you to experience the freedom and autonomy to realise your potential. You will feel supported by a team that celebrates individuality, encourages different perspectives, and embraces every background. Join us To become part of the success story, please apply now. If you have a disability or neurodiversity, we can provide support or adjustments that you may need throughout our recruitment process or any mitigating circumstance you wish for us to consider. Any information you share on your application will be treated in confidence. You can find out more about life at Softcat and our commitments to diversity and inclusion at Here at Softcat, we don't prohibit the use of AI (artificial intelligence) in our application process, as we understand how far it can go to creating a truly equitable candidate experience. That being said, as a culture-driven organisation, we believe that the genuine essence of each person is what truly matters, so we highly encourage you to be as authentically you as possible when submitting your application to showcase your true and whole self.

Would you like to kick start your career in a supportive, collaborative and innovative company? Do you enjoy working as part of an enthusiastic, passionate, and collaborative team? Join our Credit Underwriting team The credit underwriting team is a business critical, growing, and dynamic team led by the Head of Credit & Commercial risk who reports into the Group Financial Controller. The team work closely with the sales team, financial reporting, and various areas of business operations. The credit underwriting team are ultimately responsible for the management, underwriting, and control of credit exposure to the business in what is a rapidly evolving environment. Success. The Softcat Way. There's a uniqueness to Softcat - what we do, how we do it and why we do it. That's because we help customers to use technology to succeed, by putting our employees first. We give everyone the chance to step up and show how much they can achieve. We succeed when all our people succeed. Be part of a team that enables business growth This role is part of the Finance Management team and will lead the credit underwriting team supporting our rapidly growing and dynamic IT solutions business. This passionate, highly numerate underwriter will work closely with our finance and sales teams as well as external stakeholders, insurance brokers and customers alike, to maintain credit risk controls within an existing framework and provide a unique service to our customers. As a Credit Underwriting Manager , you'll be responsible for : Analyse customer risk profiles and validate automated credit scorecards Produce monthly risk reports and support senior credit governance forums Manage credit exposure, limits, and portfolio risk across customers and sectors Lead and develop senior underwriters, including performance, hiring, and KPIs Support board approvals and senior decision making within agreed authority levels Oversee trade credit insurance, budgets, and process improvements Manage and monitor the Deputy Credit Risk Manager performance, manage KPI's during a performance management process through having challenging conversations Stre amli ning proces ses whe re need ed Partner closely with senior stakeholders across the business to align credit strategy Participating in credit review meetings with the senior leadership team, displaying understanding of customers who have gone into administrations, high exposure risks, industry updates and credit assessment SLA overviews. We'd love you to have Strong risk assessment and analytical skills Proven leadership and team management experience Solid knowledge of underwriting regulations and compliance Commercial and financial awareness Confident decision making and stakeholder communication Strong knowledge across different areas of the business to ensure organisational goals are met. Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures. Experience s upporting the gro w th and d evelo pment of team me mbers . We also acknowledge that the confidence gap and imposter syndrome are a real thing and can get in the way of us meeting fantastic talent, so please don't hesitate to apply - we would love to hear from you! Work in a way that works for you We recognise that everyone is different and that the way in which people want to work and deliver at their best is different for everyone too. In this role, we can offer the following flexible working patterns: Hybrid working - 3 days in the office and 2 days working from home Working flexible hours - flexing the times you start and finish during the day Flexibility around school pick up and drop offs Working with us Wherever you work, we want you to experience the freedom and autonomy to realise your potential. You will feel supported by a team that celebrates individuality, encourages different perspectives, and embraces every background. Join us To become part of the success story, please apply now. If you have a disability or neurodiversity, we can provide support or adjustments that you may need throughout our recruitment process or any mitigating circumstance you wish for us to consider. Any information you share on your application will be treated in confidence. You can find out more about life at Softcat and our commitments to diversity and inclusion at Here at Softcat, we don't prohibit the use of AI (artificial intelligence) in our application process, as we understand how far it can go to creating a truly equitable candidate experience. That being said, as a culture-driven organisation, we believe that the genuine essence of each person is what truly matters, so we highly encourage you to be as authentically you as possible when submitting your application to showcase your true and whole self.

Corporate Credit Manager - £45k + excellent benefits Slough Hybrid We are partnering with a highly respected financial services organisation, part of one of Europe's top 10 banking groups. With a strong presence in the UK and continued growth, they are looking to hire a Corporate Credit Manager to join their Credit function. This is a great opportunity to work in a collaborative environment with exposure to complex corporate lending decisions. The Role • Manage credit risk across new and existing corporate customers with large exposures• Conduct detailed credit reviews and analyse financial statements• Prepare credit papers and recommendations for senior stakeholders and credit committees• Review and approve or challenge credit applications within the mandate• Monitor customer performance and respond to credit risk alerts• Ensure adherence to internal underwriting standards and regulatory requirements, including KYC and AML• Collaborate with internal teams, including Sales Support and Dealer Finance Key Responsibilities • Deliver high-quality credit analysis and decision-making• Maintain accurate and audit-ready customer records• Support monthly and ad hoc reporting requirements• Contribute to team planning and risk meetings• Ensure deadlines and departmental objectives are consistently met About You • Minimum 3 years' experience in corporate credit or credit risk• Strong ability to interpret financial statements and assess risk• Experience working with credit mandates or approval authority is advantageous• Excellent analytical, communication, and decision-making skills• Self-motivated and comfortable working in a fast-paced environment• Relevant qualification in finance, banking, or accounting is beneficial The Offer • Salary of £45k• Excellent benefits package• Opportunity to work for a leading European banking group• Strong career development and progression opportunities• Supportive and collaborative team environment If you are looking to take the next step in your credit career within a growing and well-established organisation, apply now or get in touch to find out more.

Risk Underwriting Manager - Asset Finance Hybrid working: 2/3 days a week in the office , Location: South-West, London Company Profile: A leading Financial Services provider specialising in vendor and equipment finance Successful applicant MUST have credit risk or underwriting experience within ASSET FINANCE. Key Responsibilities: Assess financial statements and credit data to determine risk exposure. Analyse credit reports, market data, and collateral trends to inform underwriting decisions. Prepare detailed risk reports with clear credit recommendations. Conduct due diligence and periodic transaction reviews to update credit ratings Ensure compliance with regulatory standards and internal credit policies. Monitor delinquent accounts and mitigate risk exposure. Maintain accurate risk data and ensure adherence to credit approvals. Support process improvements in risk assessment and underwriting. Requirements: 2+ years of credit risk or underwriting experience. Strong analytical skills with a commercial mindset. You must have asset finance experience! Confident decision-making in unsecured small-ticket transactions. Proficient in Microsoft Word and Excel. Self-motivated and detail-oriented team player. We are happy to provide application and/or accessibility support, please contact your Marks Sattin or Grafton consultant directly to discuss your needs. We're committed to protecting the privacy of all our candidates and clients, please visit and for our privacy policy.

Risk Underwriting Manager (15 month FTC) - Asset Finance Hybrid working: 2/3 days a week in the office , Location: South-West, London Company Profile: A leading Financial Services provider specialising in vendor and equipment finance Successful applicant MUST have credit risk or underwriting experience within ASSET FINANCE. You must be immediately available to start the contract or on a short notice period (max 2 weeks). Key Responsibilities: Assess financial statements and credit data to determine risk exposure. Analyse credit reports, market data, and collateral trends to inform underwriting decisions. Prepare detailed risk reports with clear credit recommendations. Conduct due diligence and periodic transaction reviews to update credit ratings Ensure compliance with regulatory standards and internal credit policies. Monitor delinquent accounts and mitigate risk exposure. Maintain accurate risk data and ensure adherence to credit approvals. Support process improvements in risk assessment and underwriting. Requirements: 2+ years of credit risk or underwriting experience. Strong analytical skills with a commercial mindset. You must have asset finance experience! Confident decision-making in unsecured small-ticket transactions. Proficient in Microsoft Word and Excel. Self-motivated and detail-oriented team player. We are happy to provide application and/or accessibility support, please contact your Marks Sattin or Grafton consultant directly to discuss your needs. We're committed to protecting the privacy of all our candidates and clients, please visit and for our privacy policy.

Job Title: Broker Underwriting Support Employment Type: 6 Month FTC Location: Manchester Hybrid 2 days WFH Salary: Up to circa 33,000 Benefits: 25 Days rising to 30 days with service + plus your birthday off Personal pension scheme with generous matched company contributions Life Assurance Private Medical cover with Bupa (single cover) Holiday buy/sell scheme (up to 5 days) Eye care reimbursement Employee Assistance Programme Recognition awards Social events such as paid-for Summer/Christmas Parties Superb learning and development opportunities About the position of Broker Underwriting Support: We're looking for an experienced Case Manager or Broker Support professional from a lender environment, with strong knowledge of residential and/or second charge mortgages. You'll manage cases end to end, assessing applications against lending policy, ensuring all documentation is in place, and progressing deals efficiently and accurately within service levels. A "right first time" mindset is essential, along with the ability to build strong relationships with brokers and internal teams to keep cases moving and deliver great outcomes. Responsibilities for the position of Broker Underwriting Support: Manage a pipeline of mortgage applications end-to-end, ensuring fast, accurate progression in line with SLA's, KPI's, and service standards Deliver a first-class broker and customer experience through proactive, clear, and consistent communication throughout the journey Assess applications against lending policy, criteria, and risk appetite to make sound, informed decisions Review and verify all supporting documentation, including valuations, credit files, income evidence, and bank statements Work closely with brokers, packagers, and internal teams to drive cases forward and remove barriers to completion Proactively manage outstanding requirements, keeping all parties fully informed at every stage Refer and escalate complex or non-standard cases to appropriate mandate holders with a clear rationale Ensure full compliance with regulatory requirements, internal policies, and governance frameworks Experience required for the position of Broker Underwriting Support: Previous experience in Case Management, Underwriting Support, or Broker Desk roles within residential and/or second charge mortgages Ideally gained within a lender environment, with a strong understanding of mortgage processes, policy, and lending criteria Confident in managing applications end-to-end, including reviewing documentation and progressing cases through to completion Strong awareness of regulatory, compliance, and customer outcome requirements within a lending environment Proven ability to work accurately and efficiently in a fast-paced, SLA-driven setting while supporting brokers and delivering great customer outcomes For more information regarding the role of Broker Underwriting Support , please contact us. Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.

Job Title: Business Development Executive Working the Windsor office and conducting site visits across England and Wales Overview: 1. You will be conducting site visits to potential borrowers at their place of business to assess if we are proceeding to a lending decision. 2. You will be assessing director behaviour, business sector and collating any further documentation required to determine your final lending decision. 3. You will be looking at the risks involved with the business and put these factors towards the lending decision. 4. The information that is gathered at the underwriting stage will also support you to conduct the visit. 5. You will be required to present the site visit findings to the Loan Sales Manager along with your business decision as to whether we should approve the lending decision. 6. You will be required to build a business relationship with the director(s) you meet during your site visits to enable a solid line of communication. You be required to make contact directly with the director(s) to confirm, re-arrange and ensure that the director has all necessary documents and proof prepared for their visit. 7. A strong understanding of commercial lending, risk assessment and financial analysis is required. 8. Absolute professionalism whilst representing the company is essential. 9. Strong time management is vital in this role. Role Responsibilities • Support the underwriting team by underwriting cases when you are not out on the road. • Maintain an understanding of and comply with all relevant lending regulations, including those from financial regulatory bodies and internal lending policies. • Upon completion of the site visit, ensure you carry out a post visit meeting with the Loan Sales Manager, at this stage you must ensure you raise any red flags/ concerns regarding the business we are considering lending to. • Evaluate creditworthiness and risks of loan applicants by analysing financial data including income, financial statements, and collateral when underwriting cases. • Provide excellent customer service by promptly responding to questions and concerns from loan applicants, explaining the loan application process, and communicating decisions effectively. • Keep yourself updated on loan products, underwriting standards, and collections procedures. • Ensure all documentation and ID Verification checks are prepared and completed to a satisfactory standard before submitting the case to the lending department. • Be able to operate with proficiency CRM systems and keep accurate notes and documentation. • Make it your responsibility to know your customers. Requirements: • Use of own car as you will be required to drive to our customers (monthly car allowance). • Confident, friendly and a professional manner is required at all times as you will representing the company when onsite visits. • Excellent interpersonal and communication skills. • Excellent analytical and decision-making abilities. • Knowledge of loan compliance and regulatory standards.

Job Title: Buy-to-Let Underwriter Location: London Hybrid 2 days WFH Salary: Up to 55,000 Working Hours: Monday to Friday 9 am to 5.30 pm Benefits: 25 Days Holiday + Bank/Public holidays Pension scheme Private healthcare Discretionary Bonus Other flexible benefits About the role of Underwriter: Join a growing, intermediary-only specialist lender as a Buy to Let Underwriter, working as part of a busy Buy to Let team. You'll manually underwrite a range of specialist and more complex cases, assessing and approving mortgage applications in line with lending policy. Managing a varied pipeline, you'll make clear, commercially sound decisions and confidently explain your rationale, particularly on more complex deals. Responsibilities required for the role of Underwriter: Ensure all new lending proposals are underwritten in accordance with the Company's Lending Policy, with any exceptions clearly documented and approved by the appropriate senior signatories Provide clear, concise lending recommendations to senior signatories for proposals requiring exceptions or falling outside mandate parameters Prepare and present Credit Papers to the Credit Committee for high-value transactions Review, assess and appraise both short- and long-form valuation reports Liaise with intermediaries on new enquiries and proposals, clearly communicating underwriting requirements and/or reasons for decline Work closely with Pipeline and Completions Managers to ensure underwriting requirements and special conditions are fully understood and appropriately applied Experience required for the role of Underwriter: A min of a year's experience in a Buy to Let Mortgage Underwriting role. Held a mandate for 350K + Experience of presenting proposals to senior signatories Knowledge of different property asset types, including HMO, Multi Unit Freehold blocks, office to residential- permitted development schemes Pragmatic approach to lending For more information regarding the role of Buy-to-Let Underwriter , please contact us. Stellar Select is acting as an employment agency and is a corporate member of the REC. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.

Our client, a reputable multi-franchise approved automotive dealership located in Gloucester, is seeking an experienced General Sales Manager to join their expanding team. This role offers an excellent opportunity for a driven professional to lead a dedicated sales team, enhance dealership performance, and contribute to the growth of a well-respected family-run automotive business. Benefits of a General Sales Manager: Competitive starting salary, fully negotiable based on experience Uncapped departmental performance-related bonus scheme Company car included 31 days annual leave, with bank holidays worked given a day off in lieu Guaranteed 5.5-day working week, with no Sundays required Half-day off during the week Full in-house and manufacturer-accredited training programmes Contributory workplace pension scheme Death in service benefits Access to exclusive staff discounts on new and used vehicles, servicing, and parts Long-term career development within an expanding dealership network Duties of a General Sales Manager: Lead and motivate a team of six Sales Executives to achieve targets across new and used vehicle sales, finance, and insurance products Develop and implement sales strategies to enhance dealership profitability and market presence Manage daily operations ensuring high standards in showroom and forecourt presentation Oversee customer interactions face-to-face, via phone, and email, ensuring exceptional service and satisfaction Liaise with the marketing and digital sales teams to promote vehicles and services effectively online and offline Monitor and maintain high Customer Satisfaction Index scores, handling complaints efficiently Track and analyse Key Performance Indicators (KPIs) to measure team and dealership performance Ensure all sales and transactions are fully FCA compliant Participate in closing deals, including underwriting part exchanges as a General Sales Manager Supervise dealership operations in the absence of senior management or Group Service Manager Maintain an understanding of market trends and competitors to foster growth and innovation Requirements of a General Sales Manager: Proven experience in a sales management role within a medium-to-large franchise-approved automotive dealership Strong leadership and team management skills, with the ability to motivate a diverse workforce Professional, calm, and strategic approach to dealership operations Excellent communication skills, capable of liaising effectively with internal teams and external stakeholders Robust analytical and problem-solving abilities to anticipate and overcome challenges Valid UK driving licence with minimal points Full knowledge of FCA compliance standards A proactive attitude with a focus on growth, customer satisfaction, and operational excellence Contact Sarena Abbott, Automotive Recruitment Specialist at Perfect Placement covering Gloucester and Gloucestershire , today to discover more about this fantastic General Sales Manager opportunity. Our team of Automotive recruitment specialists are dedicated to finding the perfect match for both job seekers and employers in the motor trade. Don't settle for just any Motor Trade job - let us help you find the one to take the first step towards your dream Motor Trade career.

Credit Underwriter Administrator Location: Nottingham Salary: £35,000 to £37,000 per annum Vacancy Type: Permanent, Full Time Benjamin Edwards are recruiting for a Credit Underwriter Administrator to be part of a small, dynamic team. As Credit Underwriter Administrator, you will help keep the team s day-to-day operations running smoothly by responding to internal and external enquiries and ensuring that templates and workflow documents are kept up to date and well organised. The role includes providing a high level of support to dealers and internal partners, helping to maintain strong working relationships and consistent service delivery. Occasional customer and dealer visits may be required. What s on offer to the Credit Underwriter Administrator • Supportive, flexible, and inclusive working environment • Attractive remuneration and bonus scheme • Generous pension scheme • Employee assist benefit • Long service awards • Hybrid/flexible working • Hours of work are Monday - Friday - 37.5 hours per week • Easy access and free parking • Career progression / international exposure through project work • Group Income Protection and Group Life Assurance and Death in Service benefits • 25 days annual leave • Long service bonus holiday (+ opportunity to buy and sell holiday) The role of Credit Underwriter Administrator • Credit Evaluation: Assess requests for small unsecured revolving credit lines and regulated proposals. This includes completing clear affordability assessments and applying a basic understanding of financial statements. • Decision-Making: Approve, decline, or make recommendations on unsecured and regulated proposals in line with company policies, procedures, and established risk appetite. • Document and Process Management: Maintain and update document templates, process guides, and internal workflow documentation. Track and follow up on system issues, backlog items, and support requests to help keep day-to-day operations running smoothly. • Stocking/Floorplan: Provide monthly stocking reports and settlements to dealers, giving a clear overview of their current exposure. • Stakeholder Engagement: Foster strong relationships with dealers, Area Sales Managers, and key stakeholders through regular video calls and occasional in person meetings to drive collaboration and shared objectives. • Operational Assistance: Support dealers, customers, and internal teams with reschedules, and novations, ensuring information is handled accurately and efficiently. • Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness. The ideal candidate for the role of Credit Underwriter Administrator • Degree in a Business/Management discipline or an Accounting/Finance discipline or equivalent experience • Basic understanding of finance products • Experience working in customer service or related customer-oriented environments To Apply If you feel you are a suitable candidate and would like to work for Benjamin Edwards Ltd, please do not hesitate to apply.

Credit Underwriter Location: Nottingham/Hybrid Salary: £40,000 to £42,000 per annum Vacancy Type: Permanent, Full Time Benjamin Edwards are recruiting for a Credit Underwriter for a small, dynamic team. As Credit Underwriter, you will independently make decisions on moderately complex credit applications for asset finance proposals, working within the company s credit guidelines, policies, and procedures. You will support and maintain strong dealer and partner relationships and may assist with coaching and guiding junior colleagues. Occasional customer and dealer visits will be required. What s on offer to the Credit Underwriter Supportive, flexible, and inclusive working environment Attractive remuneration and bonus scheme Generous pension scheme Employee assist benefit Long service awards Hybrid/flexible working Hours of work are Monday - Friday - 37.5 hours per week Easy access and free parking Career progression / international exposure through project work Group Income Protection and Group Life Assurance and Death in Service benefits 25 days annual leave Long service bonus holiday (+ opportunity to buy and sell holiday) The role of Credit Underwriter Credit Evaluation: Assess moderately complex, higher-value asset finance proposals by analysing financial statements and customer information for cash flow, balance sheet strength and profitability. Decision-Making: Approve, decline or make recommendations on finance proposals in accordance with company policies, procedures, and risk appetite. Portfolio Management: Manage and review credit lines that fall within local authority limits, including processing renewals, monitoring customer performance, and authorising additional transactions within mandate. Customer Communication: Conduct customer visits to clarify financial queries, understand business needs, and strengthen relationships Dealer Support: Promote asset finance products, systems, and marketing initiatives to dealers and other stakeholders. Provide guidance to help dealers and area sales teams improve the quality and structure of proposal submissions. Stakeholder Engagement: Build and maintain strong relationships with dealers, Area Sales Managers, and internal stakeholders through regular communication and occasional in-person meetings. Operational Assistance: Support partners with financial documentation, resolving queries, and occasionally assisting with collections to maintain service quality and customer satisfaction. Team Development: Mentor and coach junior colleagues and internal staff, contributing to their professional growth and capability development. Process & Project Involvement: Actively participate in process improvement initiatives and collaborate on international projects to enhance underwriting efficiency and cross-functional effectiveness. The ideal candidate for the role of Credit Underwriter Degree in a Business/Management discipline or degree in an Accounting/Finance discipline or equivalent experience Credit underwriting in asset finance preferably in agriculture or construction or other off-highway applications Good knowledge of financial analysis, accounting principles, and credit risk assessments Experience working in customer service or related customer-oriented environments To Apply If you feel you are a suitable candidate and would like to work for Benjamin Edwards Ltd, please do not hesitate to apply.

Main duties/Responsibilities include, but not limited to: Support the presentation of the business to potential clients and assist the Business Development Managers (BDM) in the sales, credit/underwriting and onboarding process of unsecured finance clients. Contact and engage with potential clients and follow up new business opportunities. Assist in the planning of pitches and work with BDM's to develop, create and be accountable for all client quotes and proposals. Assist in the planning of new marketing initiatives and attend conferences, meetings, and industry events with colleagues. Support the maintenance and management of a pipeline and ensure administration is completed on internal systems to aid the fair treatment of customers. Ensure comprehensive, up-to-date prospect/customer account records are maintained on the appropriate database. Perform your role with a positive and constructive attitude within the team environment. Ensure all compliance regulation and legislation is adhered to where relevant. Interact professionally with the Head of, Team Managers, and the various support teams. Person Specification: Education: Bachelor's degree preferred Experience: Minimum of 2 years of experience in business development or similar role. Technical Skills: Proficiency in Microsoft Excel, PowerPoint and Word. Communication Skills: Excellent written and verbal communication skills. Team Collaboration: Ability to work collaboratively across departments and with different levels of management. Industry knowledge: In depth industry knowledge and its events or willingness to learn.