Senior Underwriter - Commercial
Own end-to-end commercial lending, manage your pipeline, build intermediary relationships, lead on AML/EDD compliance & coach the team. Proven commercial underwriting + FCA knowledge essential. CeMAP.
Are you an experienced Senior Underwriter – Commercial who enjoys taking ownership, supporting others, and has experience within commercial finance underwriting?
Do you thrive in a fast-paced lending environment where broker relationships, risk appetite, and regulatory compliance are equally important?
If this sounds like you, then this could be the perfect next step in your career. Apply today and let’s grow together at West One Loans.
Key Accountabilities
Manage the entire lending process from application through to drawdown whilst adhering to underwriting and due diligence processes
Manage a pipeline of Commercial cases and prioritise accordingly
Develop and maintain key Intermediary relationships
Ensure all applications comply with West One lending criteria
Effectively manage the lending process by liaising with internal departments and external parties
Instruct Solicitors once offer is made and provide all relevant documentation
Support team members and coach other underwriters
Act with integrity, embrace the philosophy of TCF guidelines, and adhere to responsible lending principles
Demonstrate deep underwriting knowledge and expertise
Be willing to assist the wider team when required
Conduct Anti-Money Laundering (AML) and Know Your Customer (KYC) checks in line with regulatory requirements and internal policies & procedures
Ensure compliance where applicable with AML, counter terrorist financing, proliferation financing, tax evasion, fraud, anti-bribery and corruption, sanctions, and financial crime policies & procedures
Perform Customer Due Diligence (CDD) and supported Enhanced Due Diligence (EDD) for higher-risk cases including the identification and verification of beneficial owners (BOs), ultimate beneficial owners (UBOs), other relevant parties and corporate ownership structures; assess customer applications for potential money laundering, sanctions, bribery, fraud and other financial crime risks
Pass internal competency tests post induction
Skills & Competencies
Excellent organisational and prioritisation skills
Ability to work to tight timeframes
High attention to detail
Strong written and verbal communication skills
Ability to work as part of a team
Proficient in Word, Excel, PowerPoint and Outlook
Knowledge & Qualifications
Previous experience in underwriting within Commercial Finance
Strong understanding of FCA regulation
CeMAP desirable, not essential
Personal Attributes
Acts with integrity and upholds responsible lending principles
Committed to Treating Customers Fairly and full regulatory compliance
Takes ownership and demonstrates professional judgement
Why Join Us?
At West One Loans, we’re growing fast and looking for ambitious people who want to be part of our exciting journey. We’ll give you the tools, training, and support you need to succeed, while offering clear opportunities to progress your career.
Alongside this, we offer a strong benefits package, including private medical healthcare, 25 days’ annual leave, paid volunteering days, and a host of additional benefits.
If you’re ready to build your career with a Specialist Lender and make an impact - click apply today!
- Department
- West One Loans
- Location
- Manchester
- Employment type
- Full-time
About Enra Specialist Finance
At Enra we believe that working together collaboratively is the best way to serve our customers and develop our colleagues. We are very focused on developing and maintaining our culture and remaining dedicated to the CREDIT values on which Enra was built: Customers, Results, Energy, Development, Invention and Teamwork. We live and breathe these values every day and want to ensure they underpin our future success. So, if you want to build a career in specialist finance, with an employer focused on providing brilliant customer service, lending responsibly, and creating a great office environment to develop its people, then look no further than Enra.