Senior Corporate Underwriter

About the Position

Senior Corporate Underwriter

We are seeking a Senior Corporate Underwriter to join our team in Cheadle, specializing in assessing and managing complex corporate real estate transactions.

Responsibilities

As a Senior Corporate Underwriter, you will be responsible for:

• Evaluating and analyzing credit and portfolio risk for both new and existing customers with lending needs of £2m+
• Conducting detailed financial analysis, including evaluation of financial statements, cash flows, market trends, and industry risks
• Assessing the creditworthiness of high-value corporate clients, identifying key risks and mitigants in each loan proposal
• Structuring complex loan facilities, ensuring terms and conditions are aligned with both the customer need and Together’s risk appetite
• Reviewing and approving credit proposals, ensuring they meet risk appetite and regulatory standards
• Leading underwriting discussions in credit committee meetings and to Senior Stakeholders, offering insights and recommendations based on in-depth financial evaluations

Requirements

Essential

• Extensive experience in a lending environment either as Lending Director or Senior Underwriter, providing credit analysis, or risk management of complex lending
• Advanced financial analysis capability - able to evaluate financial statements, cash flows, market trends, and industry risks
• Expert in structuring complex lending solutions aligned to customer needs and organizational risk appetite
• Strong credit governance and decision-making - independently able to approve high-value and complex credit applications using sound judgment
• Clear, confident communicator with senior stakeholders, able to present cases to Credit Committee and influence decisions
• Leadership in underwriting discussions, providing insight and recommendations based on thorough evaluation

We Offer

Benefits of working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus Private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

About the Company

Company Description

We’re Together. For over 50 years, we’ve helped thousands of people, businesses, and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.

We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 950 colleagues help our customers throughout the UK, backed by the power of an £8 billion loan book.

Additional Information

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it, and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills.

If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.

Click here for more information on our Recruitment Process

Please note that all successful applicants will undergo relevant employment reference, financial, and criminal record checks.

Job Location

Cheadle, United Kingdom

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