Credit Analyst & Underwriter

Credit Analyst & Underwriter

Specialist Business Lender

Northampton (Office-Based) | £35,000 + Annual Bonus + Private Healthcare + Enhanced Pension + Life Assurance

If you are analytically sharp, commercially curious, and want to build a career in business lending where your thinking genuinely influences outcomes - this is where that career starts.

The Role

A high-growth, technology-driven specialist SME lender is seeking a Credit Analyst & Underwriter to join its Northampton-based credit team. This is a role that combines analytical rigour with real lending judgement - you will not simply be running numbers through a model. You will learn to assess businesses, interpret financial data and form independent views on creditworthiness.

The business has built a strong reputation for intelligent lending - combining data-led decisioning with experienced human judgement. As a Credit Analyst & Underwriter, you will sit at the intersection of both, working alongside senior credit professionals who are genuinely invested in developing the next generation of talent.

What You Will Do

• Analyse credit applications for SMEs, sole traders and growing businesses across a range of lending products
• Interpret financial accounts, management information, bank statements, credit bureau data and Open Banking outputs
• Form independent credit views on business quality, repayment capacity and risk profile
• Work alongside experienced senior underwriters on complex and higher-value transactions
• Communicate decisions clearly to internal stakeholders, sales teams and broker partners
• Contribute to the continuous improvement of underwriting processes and analytical frameworks

What We Are Looking For

Above all, intellectual capability and the drive to build something. The business values analytical thinking, commercial curiosity and the ambition to become a genuinely excellent credit professional.

• Degree-educated or equivalent strong academic background (analytical disciplines particularly valued)
• Comfortable working with numbers and financial data - you enjoy understanding what the figures are actually saying
• Experience within financial services - motor finance, consumer finance, retail banking, asset finance or similar environments welcomed
• Naturally curious about how businesses operate and how lending decisions affect real-world outcomes
• Strong written and verbal communication - you can explain your reasoning as clearly as you can reach it
• Unrestricted right to work in the UK

Why This Business

This is not a business where analysts process applications and underwriters stamp them. The credit function is genuinely analytical, commercially engaged and data-aware - the team works closely with data science, operations and senior leadership in a way that is simply not available at most lenders. The business has invested heavily in proprietary technology and AI-driven decisioning, which means you will develop your career in a genuinely modern credit environment.

Progression

The pathway from this role runs through Senior Credit Underwriter, Principal Underwriter and into Credit Leadership within an organisation that is scaling rapidly and has a demonstrable track record of promoting from within.

The Package

• £35,000 basic salary
• Annual performance bonus
• Private healthcare
• Enhanced pension contributions
• Life assurance
• Genuine long-term progression within a fast-growing specialist lender

Location

Northampton. Fully office-based. The business believes the fastest way to develop analytical and commercial credit skills is through daily proximity to experienced colleagues - the kind of learning that cannot happen remotely. Relocation support may be available for the right candidate.

This role is aimed at analytically strong individuals from motor finance, consumer finance, banking and wider financial services who want their career to move into the analytical heart of business lending. If that is you, we would like to hear from you.