Credit Underwriter
The Underwriter role will expose you to a fast-paced, high performance lending culture and expand your skill set for a successful career in risk management. Up for a challenge?
Our Underwriting Team helps small businesses raise funding by assessing the creditworthiness of each borrower to give them access to our fast and flexible loans.

Who are we?
We’re Funding Circle. We back small businesses to succeed.
At Funding Circle, we believe the world needs small businesses. That’s why we’ve made it our mission to help them get the finance they need to grow.
With more than a decade of expertise under our belt, we’ve built a game-changer of a platform with cutting-edge data and technology that’s reshaping the landscape of SME lending. Say goodbye to lengthy applications and hello to lightning-fast decisions! In just minutes, SMEs across the UK can get a decision, giving them access to competitive funding in a flash.
We know that good business is about good people. So we pride ourselves on providing meaningful, human support as well as fast, hassle free processes to deliver an unbeatable customer experience.
The role * Analyse data (annual accounts, bank statements, credit reference agency data) to determine the degree of risk involved in extending credit to SME borrowers on a loan-by-loan basis
* Enhance the quality of loan decisions by integrating market, industry, and portfolio insights into your credit decision
* Further your knowledge of UK SMEs, incl. accounting practices, industry and financing standards, payment behaviour and relevant legal aspects to help us evaluating credit risk correctly
* Provide a best-in-class experience for our borrowers by reviewing all loan applications efficiently and in accordance with our internal quality standards
* Contribute to the ongoing development of systems, processes and business practices by sharing recommendations to improve efficiency and capacity
* Advise and guide colleagues to ensure that commercial opportunities are maximised without compromising Funding Circle’s risk management
* Proactively problem solving, identifying and confidently mitigating any risks, issues or control weaknesses that arise in your day-to-day
What we’re looking for * An inquisitive mind-set, openness to change, willingness to challenge the status quo and a great work ethic
* Experience in credit analysis (Ideally SME lending).
* Strong analytical, decision-making, and communication skills
* A firm understanding of UK accounting standards
At Funding Circle we are committed to building diverse teams so please apply even if your past experience doesn’t align perfectly with the requirements.

Want to learn more? * We have a huge impact on the businesses that borrow through our platform, the communities they serve and the overall economy (last year £6.9bn of GDP generated). You can read our full Impact Report here: https://uk/impact
* To see what our customers think, visit our Trustpilot page: https://review/fundingcircle.com
* And we’re still evolving! Our award-winning multi-product platform is solving more SME finance challenges than ever before. We think big, rally together and meet the needs of SME customers like no other.
Why join us?

At Funding Circle, we celebrate and support the differences that make you, you. We’re proud to be an equal-opportunity workplace and affirmative-action employer. We truly believe that diversity makes us better .

We back our Circlers to build their own incredible career, making a difference to small businesses every day. Our Circler proposition is designed to support employees both in and out of work, and it is anchored around four pillars: Health, Weath, Development & Lifestyle.

A few highlights:
* Health: Private Medical Insurance through Aviva, Dental Insurance through Bupa, MediCash, access to free online therapy sessions and exclusive discounts with Hertility for reproductive health support.
* Wealth: Octopus Money Coach, free mortgage advisor partnership and discounts across numerous retailers through Perks at Work.
* Development: Dedicated annual learning allowance and full access to internal learning platform.
* Lifestyle: Wellhub (for fitness discounts), Electric Car Scheme and more!

And finally, we have award winning parental leave policies supporting parents through enhanced maternity, partner and adoption leave, as well as additional leave for parental bereavement and for fertility treatments.


Ready to make a difference? We’d love to hear from you.