Swiftfund
Credit Underwriter
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Company Description
Swiftfund supports businesses across the UK with short-term, unsecured funding solutions designed to help them manage cash flow and growth opportunities. The company combines years of industry expertise with a streamlined, technology-enabled approval process. Swiftfund focuses on delivering fast, seamless decisions that minimize disruption for business owners. Team members contribute directly to enabling UK businesses to access responsible finance quickly and efficiently.
Role Description
The Credit Underwriter is a full-time, on-site role based in Altrincham. This role is responsible for assessing credit applications, analyzing financial information, and making sound lending decisions in line with Swiftfund’s risk policies. Day-to-day activities include:
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- Reviewing loan proposals
- Evaluating creditworthiness
- Performing detailed risk assessments
- Documenting underwriting decisions clearly and accurately
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The Credit Underwriter will collaborate with sales, operations, and risk teams to clarify application details, ensure a smooth approval process, and maintain high standards of customer service. The role also involves monitoring portfolio performance, identifying emerging risks, and recommending improvements to underwriting criteria and processes.
Qualifications
- Strong Credit Underwriting and Underwriting experience, with a solid understanding of unsecured business loans.
- Excellent Analytical Skills, including the ability to interpret financial statements and assess risk.
- Effective Communication skills for working with internal teams and explaining decisions clearly to stakeholders.
- Practical knowledge of Loans, lending products, and relevant credit policies or guidelines.
- Previous experience in commercial or SME lending, banking, or financial services is highly beneficial.
- Attention to detail, sound judgment, and the ability to make consistent, evidence-based decisions under time constraints.
- Comfort with using digital tools and credit systems to process applications and maintain records.
- Relevant education in finance, economics, business, or a related field, or equivalent professional experience.
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