Senior Credit Underwriter Job at Softcat (Manchester, Marlow)

Senior Vice President - Underwriter - (Structured Credit and Real Estate Underwriting)

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably real estate underwriting or asset management) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Ability to understand capital markets products and complex financing and product structures
Ability to provide strategic insights and strong sensitivity to macro and regulatory issues, and impact of such issues on the various Risk families, including operational and franchise risks
Pro-active disposition with ability to work autonomously and within a team
Typically deals with complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting needs
Requires good analytical skills in order to filter, prioritize and validate potentially complex material from multiple sources
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
On track for internal Senior Credit Officer designation is a plus

Job Responsibility

Accountability for ensuring strong analysis of the assigned Real estate portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions to development of credit approval memos, and senior approval forums
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Support the ICM Real Estate Underwriting Verticals (Citi Community Capital, CRE) on strategic initiatives/projects

What we offer

Global Benefits
Best-in-class benefits
Work-life balance

Fulltime

Senior Vice President - Structured Credit and Real Estate Underwriting

The Senior Vice President position will hold a critical role within the Structur...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit, portfolio management or product experience (preferably in structured finance/securitization) in a financial institution, rating agency, financial guarantor, or asset management firm
Experience in leading a team and in coaching and mentoring junior bankers
Excellent organizational skills, prioritizing capabilities, attention to detail, and the ability to complete assignments within required deadlines in a fast-paced environment
Pro-active disposition with ability to work autonomously and within a team
Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
Strong Microsoft Office skills
Modeling experience is a plus
Strong attention to detail
Oral and written communications skills enabling the candidate to effectively interact with internal and external constituents of all levels
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control

Job Responsibility

Accountability for ensuring strong analysis of the assigned SCREU portfolio ensuring consistencies with industry leading practices and compliance with all internal risk policies, standards and procedures
Interface with and support bankers in underwriting requests for commercial credit extensions for new and existing clients with ownership responsibilities for sound credit decisions and compliance with internal procedures/credit risk policy guidelines and standards
Supervise analysts and associates to perform periodic monitoring of the portfolio
Ensure maintenance of organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes
Perform quality control of the approval memos to ensure accuracy and completeness of input
Ensures team monitors the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and makes appropriate recommendations with the aim of identifying and mitigating credit risks
Ensure ongoing and timely feedback and coaching of junior team to sustain a strong credit culture and an unwavering commitment to excellence in analysis and execution
Provide support to Director and other senior team members, lead projects and initiatives in the wider team
Keep abreast of industry and market trends and customer-specific events

Fulltime

Senior Credit Manager

Solaris is a tech company with a full German banking license. Our Banking-as-a-S...

Location

Germany , Berlin

Salary:

Not provided

Solarisbank

Expiration Date

Until further notice

Requirements

Educational degree, ideally with a focus on economics, business administration, banking or a comparable qualification
5 + years of relevant work experience in credit risk management in a bank or financial institution
At least 2 years of experience in credit underwriting
Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring
Experience in regulatory requirements for respective focus area
Fluent English language skills
Hands-on and “driving the change”-mindset
Reliable, solution-oriented, independent working method
Used to working under pressure / on tight deadlines
Stakeholder management for multiple tasks and good communication skills

Job Responsibility

Manual Underwriting
Structure of credit transactions
Assessing and approving credit transactions in line with OHB and external regulatory framework
Perform, optimize and maintain the credit approval process
Setup and maintain (manual) credit file management
Review/update credit files regularly
Automated Underwriting
Assist in setting criteria for Decision Engine
Align conceptual consistency of underwriting principles
Credit Portfolio Steering

What we offer

Competitive salary and a variable remuneration program
Home office budget
Learning & development budget of €1000 per year and a transparent growth framework to support your career goals
Monthly meal allowance
Deutschland ticket subsidy
28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris
Opportunity to work abroad for up to 12 weeks per year

Senior Credit Analyst

Reporting into the Credit Team Leader the successful candidate will be responsib...

Location

Australia , Sydney

Salary:

Not provided

Prospa

Expiration Date

Until further notice

Requirements

Minimum 3 to 5 years underwriting / Credit analyst experience required
Bachelor’s degree in finance, accounting, or related field desirable but not necessary
Previously held a DLA (delegated lending authority)
Experience in commercial lending
Experience with business financial documents such as Profit & Loss, Balance Sheets, AR/RP
Strong credit risk acumen and commercial judgement
Familiarity with personal and company credit reports, ASIC searches, and other various background information

Job Responsibility

Coordinating the underwriting of commercial loan applications upto an exposure of $1mil
Bank statement analysis for up to $500K & Financial statement analysis for upto $1mil
Providing in-depth detailed analysis of financial statements, industry risk, and credit risk
Presenting deals to Credit Committee with a comprehensive understanding of the risk and associated mitigants in each transaction, as well as providing a strong recommendation on the proposed outcome and offered insight to upper management regarding credit decisions
Conduct credit calls with clients and relevant stakeholders to collect additional information relevant to the proposed transaction
Liaising with stakeholders in other areas of the business to provide scenario and deal workshopping support
Preparing clear, thorough and informative credit papers for each application
Comply with internal controls and government regulations

What we offer

Learning days
Learning allowance
Leadership programs
CliftonStrengths workshops
Digital learning
Biannual companywide learning weeks
Fitness initiatives
Seasonal programs (including flu shots, massages, skin checks, wellness classes)
Additional "Me Days"
Access to holistic EAP coaching

Credit Risk Underwriter

The role will be working in the credit underwriting and risk team supporting our...

Location

United Kingdom , Marlow

Salary:

Not provided

Softcat

Expiration Date

Until further notice

Requirements

Excellent organisational skills and attention to detail
Ability to multitask and make decisions under pressure
Effective communication skills, with the ability to develop and maintain relationships with different personalities across the business
Minimum of 3 years' experience in a similar underwriting role
Strength of character to stand by decisions and explain to those less familiar with credit risk
Ability to take calculated risks with favourable outcomes
Demonstrate the ability to think around a subject, considering risk implications of our current policies and procedures
Strong financial literacy and ability to interpret financial information from a credit-worthiness perspective
Basic knowledge of key industry and political risks

Job Responsibility

Action credit limits within the worklist by evaluating the customer's creditworthiness based on publicly available information and/or data obtained directly from the customer up to approved DOA
Reviewing recommendations provided by Credit Underwriter 1, within Delegation of Authority and providing guidance where necessary
Write up commercial papers with a clear recommendation to go to the Senior Credit Underwriter and above (depending on DOA)
Apply for insurance where credit limit is £300k plus
Liaise with key internal stakeholders, including Head of Credit, Commercial Risk and Group Financial Controller and the Senior Leadership Team
Proactively collaborating with sales teams and business operation departments within Softcat
Providing support to colleagues and account managers with queries
Providing support on order related tasks, including First Order Checks and 20k new address checks
Complete ad-hoc tasks as required within DOA level
Bank verifications of new creditors

What we offer

Pension
Share incentive plan
Life Assurance
Healthcare
Holiday
Trips
Vouchers
Partner/family Benefits
Perklife
Maternity, Paternity and Adoption support

Fulltime

Assistant Vice President, ICM Risk Analysis Credit Risk Senior Analyst

ICM Risk Analysis Credit Risk Associates are responsible for a portfolio of inst...

Location

Japan , Tokyo

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Bachelor's/University degree or equivalent experience
Financial Services experience including 5-8 years of credit experience in Banking or Credit Risk Management
Well-developed analytical skills with understanding of key financial components
Advanced knowledge of financial statements and GAAP accounting or similar governance
Solid understanding of Credit Policy and procedures
Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Advanced experience with internal Policies, Standards, Procedures, Templates and financial modeling
Highly effective interpersonal skills with ability to build relationships
Exceptional written and verbal communication skills

Job Responsibility

Assess credit and financial strength of Citi's most complex Large Corporate, Public Sector, and Financial Institutions Clients
Complete Credit Approval Memos (CAMs) and Final Obligor Risk Ratings (FORR)
Continuous monitoring of covered portfolio including industry trends and impacts to key relationships
Review and provide recommendation on risk rating across sector
Partnership with regional and industry stakeholders in credit assessment implementation
Support ICM Risk Analysis Voice of the Employee (VOE) initiatives
Travel (less than 10%)

Fulltime

Leveraged Finance Underwriter - Senior Vice President

The Global Leveraged Finance Underwriting Team within Institutional Credit Manag...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

13+ years of credit or related leveraged finance experience
MBA or CA or CFA
Advanced knowledge of Microsoft Word, Excel, and PowerPoint
Thorough understanding of the credit and/or portfolio management process
Strong awareness and adherence to the control environment including Quality Assurance and Quality Control
Team player with strong work ethic who also works well with others
Strong writing, analytical, communication, and presentation skills
Experience in leading a team and in coaching and mentoring junior bankers
Ability to break down large amounts of data into concise, easy to understand credit recommendations
Proven culture carrier

Job Responsibility

Be accountable for ensuring best in class credit risk analysis of the Leveraged Finance Portfolio
Provide critical support and leadership across LFU's core functions
Supervise analysts and associates to perform periodic written reviews of the clients' financial and operating performance
Review and analyze models used for valuation and to forecast the client's operating and financial performance
Ensure ongoing and timely feedback and coaching of junior team
Evaluate and gain strong understanding of clients' business, financial performances, and key credit drivers
Remain current on all relevant Leveraged Lending market trends and issues

What we offer

Extensive on-the-job training and exposure to senior leaders
Traditional learning opportunities
Chance to give back and make a positive impact through volunteerism
Opportunity to grow your career

Fulltime

CRM ASEAN Credit Underwriter

Citi continues to enhance its business control and governance framework by build...

Location

Philippines , City of Taguig

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years risk/risk-related credit work experience in banking/financial institutions
proven ability to effectively engage with regulators and internal control functions including Internal Audit and Fundamental Credit Risk as well as with external audit
demonstrates strong ethics and integrity
ability to see the ‘big picture’ in a complex environment
can make decisions under pressure and short timeline
excellent verbal & written communication skills
active listening skills
excellent presentation skills – adept at presenting effectively to audiences of various sizes and various constituencies

Job Responsibility

Adoption of leading practices in credit analysis, underwriting, and monitoring, including the end-to-end underwriting process, from early origination discussions, to development of credit approval memos, and senior approval forums
detailed review of financial analysis, due diligence, projection modeling, stress testing, risk ratings and other in-depth analysis performed by junior resources
review and approval of Credit Approval Memos (CAM) packages
partnering with Front Office on structuring and production of term sheet for new transactions
facilitate relationships with key clients in Banking and Risk and with key Regulators, Internal Audit, and control functions
support ICM Underwriting organization on strategic initiatives/projects as required

What we offer

Equal opportunity employer
inclusive and diverse culture
accessibility accommodations available

Fulltime

Senior Credit Underwriter

Softcat

Location:
United Kingdom , Manchester, Marlow

Category:
Finance

Contract Type:
Not provided

Salary:

Job Description:

Job Responsibility:

Requirements:

Additional Information:

Job Posted:
January 18, 2026

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