Credit Underwriter - Hybrid

Hours: Monday – Friday, 9:00 – 17:00 About the Role We are seeking an experienced Finance Operations professional to join a team underwriting asset finance proposals, including large-scale leases and commercial credit for dealers and clients. This hands-on role offers the chance to work with complex credit lines, make impactful financial decisions, and support business growth. You’ll be part of a collaborative team that manages moderately complex to high-value credit applications — ranging from £80,000 to over £100 million — and plays a key role in supporting dealers, sales teams, and clients through the finance process. Key Responsibilities * Assess and approve/decline asset finance proposals, analysing financial statements, cash flow, balance sheets, and supporting documentation. * Manage credit lines and portfolio risk, including personal guarantees and corporate accounts. * Liaise with dealers and Area Sales Managers, providing guidance, clarifying queries, and building strong relationships. * Oversee the workflow from point of sale to onboarding, including collaboration with internal teams and international risk functions. * Mentor and support other team members, sharing expertise in credit assessment and operational finance. * Participate in process improvements, helping to streamline operations and enhance efficiency. About You * 3+ years’ experience in asset finance, commercial lending, fleet finance, or corporate credit underwriting. * Strong financial analysis skills. * Comfortable working with large credit lines, leases, and complex financial structures. * Experience with financial systems (ERP, Sage, SAP) and advanced Excel skills (pivot tables, VLOOKUP). * Excellent communication skills to interact with dealers, clients, and colleagues across the business. What’s on Offer * Supportive, flexible, and inclusive working environment * Generous pension scheme * We Care 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) Ready to take ownership of finance operations and work with complex asset finance portfolios? Apply today and join a team that values expertise, collaboration, and real impact