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Fintellect Recruitment

Credit Underwriter

London
Posted 1 day ago
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Role Overview:

As a Credit Underwriter, you will be responsible for assessing business loan applications, evaluate credit risk, and make data-driven lending decisions within delegated authority limits using both traditional credit analysis and advanced fintech tools. You will work closely with Credit Risk, Operations, and Business Development teams to continuously improve underwriting processes and portfolio performance. As this is a small team, we need someone who is a team player and that can work collaboratively with others.

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I’m in my final year doing Economics and I don’t know whether to apply for grad schemes now or do a masters first. What do you think?

Honest answer — it depends on where you want to end up. A lot of top grad schemes (Big 4, civil service, banking) don’t need a masters. Let’s look at the ones you’d be competitive for now, and we can decide if a masters actually adds anything.

Also worth knowing: most autumn 2026 applications are open now. Timing matters more than you think.

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Graduate Consultant — 2026 Scheme

PwC·London, UK
£35,000/yr

Why you're a good match

Strong

Your economics background and your summer at a regional bank line up with what PwC looks for on the consulting scheme. Applications close in four weeks.

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Why you're a good match

You’ve got the grades and the economics background, and your bank internship is exactly the experience this scheme looks for. Apply soon — deadlines close within the month.

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Experience fit

Your summer at the bank plus your econometrics coursework map directly to the day-one responsibilities on this scheme — client modelling, market briefings, and deal support.

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Key Requirements:

  • Minimum 2 years' of experience underwriting business loans.
  • Strong expertise in SME credit risk underwriting, including financial statement analysis.
  • Analytical mindset with a keen eye for detail and commercial awareness.
  • Passion for Fintech, ideally with experience in a technology-led financial institution, challenger bank, or alternative lending business.

Benefits:

  • Strong starting salary dependent on experience
  • Opportunity for development and career growth alongside the business
  • Fast paced, growing business
  • A supportive and inclusive team culture

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How to Apply:

If you're passionate about building a career in Underwriting and eager to join a dynamic and growing Fintech lender, we want to hear from you! Please attach your CV to this job posting.

Due to the high volume of applications, we will not be able to respond to every applicant.

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Skills

Business Loan Underwriting
SME Credit Risk Underwriting
Financial Statement Analysis
Credit Risk Assessment
Data-Driven Decision Making
Commercial Awareness
Fintech Tools
Portfolio Performance Management

Location

London, England, United Kingdom

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