Credit Underwriter (Fintech)

Location: London office, hybrid working in the United Kingdom

Company

hirify.global is a fast-growing UK fintech focused on lending products for established small and medium-sized enterprises.

What you will do

• Underwrite SME borrowing requests across commercial mortgages, commercial investment loans, and loans secured against leasehold properties.
• Assess applications against credit policy, regulatory requirements, credit appetite, and delegated lending authority.
• Manage applications from initial enquiry through completion, coordinating with applicants, brokers, valuers, solicitors, and internal teams.
• Prepare credit recommendations and escalate cases outside personal discretion or credit policy to the appropriate authority.
• Monitor credit risk, concentration risk, controls, arrears, collections, and the mortgage processing pipeline.
• Identify process improvements and contribute to credit policy, management information, and KPI reporting.

Requirements

• Experience or knowledge of underwriting in the SME sector, including awareness of market dynamics and competitors.
• Strong credit and financial analysis skills, including analysis of financial accounts, budgets, and cash-flow forecasts.
• Understanding of loan underwriting risks, credit decisioning, and commercial lending decisions.
• Experience presenting cases at Credit Committee level and managing arrears.
• Strong analytical, verbal, and written communication skills with the ability to build relationships with internal and external stakeholders.
• Knowledge of regulatory requirements, credit controls, TCF, AML, KYC, conduct risk, procedures, and service levels.

Culture & Benefits

• Hybrid and flexible working options.
• Full onboarding support and continued development opportunities.
• Pension contributions and a discretionary bonus scheme.
• Private health cover and life assurance.
• Family-friendly policies, including enhanced maternity and paternity leave.
• Regular social activities and an inclusive workplace.