Senior Credit Underwriter (m/f/d)

We are working with a dynamic and growing specialist lender based in the heart of London, focused on delivering tailored financial solutions to the UK's agricultural sector.

This is a unique opportunity to work with a well-capitalised, independent asset finance provider that combines deep sector expertise with a relationship-driven approach. You'll be part of a collaborative team that values insight, autonomy, and impact.

What You'll Be Doing

As a Senior Credit Underwriter, you'll play a key role in shaping credit decisions and structuring deals that support the growth of farming businesses across the UK. Your responsibilities will include:

• Assessing credit applications for asset finance, secured loans, and revolving credit facilities.
• Conducting in-depth financial analysis of agricultural businesses, including cash flow modelling and sector-specific risk evaluation.
• Structuring transactions in line with internal credit policy and regulatory standards.
• Collaborating with Relationship Managers to understand client needs and tailor credit solutions.
• Presenting recommendations to the Credit Committee and contributing to credit policy development.
• Monitoring portfolio performance and supporting early intervention strategies.
• Staying abreast of agricultural market trends, commodity pricing, and regulatory developments.

What We're Looking For

• 5+ years of experience in credit underwriting, ideally within asset finance or agricultural lending.
• Strong understanding of agricultural business models and seasonal cash flow dynamics.
• Proficiency in financial analysis and risk assessment.
• Excellent communication and stakeholder management skills.
• Experience in unregulated lending environments is a plus.
• Relevant qualifications (e.g., ICAEW, CFA, or agricultural finance certifications) are advantageous.