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Copyright © 2025
Copyright © 2025
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Job Title:
Senior Credit Underwriter
SMF/Certified:
No
Reporting to:
Head if Credit Operations
Department:
Lending Operations
Place of Work:
City Bridge House, 57 Southwark Street, London, SE1 1RU
Place of Work:
London/remote working
We have a hybrid working arrangement, with work being undertaken both remotely and from our London office. This role is therefore reliant upon having superfast, reliable Broadband connectivity and being able to attend the London office.
Candidates are required in the office a minimum of two days per week, with the expectation likely to rise to three or more.
Hours:
Rota that includes early starts, evening and weekends, totalling 35hrs a week. A great degree of flexibility is required for this post. We are happy to consider requests for unusual hours, subject to the request including some evenings and weekends.
About us:
JN Bank UK Ltd launched in 2019, made history as the first UK bank with a Caribbean parent, Jamaica National, to receive a UK banking license. This remarkable achievement was celebrated across the Caribbean, UK government, and UK diaspora communities, as the bank took a bold step to bridge the gap left by UK banks withdrawing from correspondent banking in developing nations. The Minister of State for the Commonwealth, Lord Ahmad, praised the achievement and what it symbolised for the potential growth in trade between the UK and the Commonwealth and developing world.
With a rich heritage rooted in over 150 years of Jamaica National’s legacy, JN Bank UK offers a dynamic environment at the cutting edge of modern banking. Initially focused on savings and unsecured personal loans, the bank has transformed under new leadership since January 2023. Guided by a fresh energy and strategy, we’ve embraced sustainable, impactful growth with a focus on financing energy-efficient home improvements through retail financing at the point of sale and further strengthening and diversifying the portfolio by acquiring secured mortgages on a forward-flow basis.
This exciting transformation isn’t just about numbers—it’s about building a bank that truly makes a difference. We’re proud of our digital-first approach, with a branch in Brixton serving our loyal customer base. Now, we’re in full throttle backed by external investment and laser-focused on profitability by 2025. As we grow, we’re driven by the desire to create a bank that’s innovative, resilient, and customer-focused.
This is the perfect time to join JN Bank UK! We're looking for passionate, hands-on, forward-thinking individuals who want to make an impact in the financial world. This is your chance to be part of something game-changing. Whether you are passionate about tech, finance, or making a real impact, JN Bank UK is the place where your ideas will matter.
Let’s build a successful future of JN Bank UK together!
Role Overview:
Reporting to the Head of Credit Operations, this role is responsible for overseeing, and contributing to, the day-to-day tasks of the Underwriting team, ensuring the delivery of successful outcomes to the Bank and its customers.
As the Senior Underwriter, for approximately 20% of your time depending on business needs, you will also provide support and assistance to other team members including the daily allocation of work, completion of quality assurance activity, identifying and supporting deployment of continuous improvement and ensuring governance, in line with the expectations and outcomes set by the Head of Operations and wider management team. The role holder will also deputise for the Head of Credit Operations.
You will play a critical role in evaluating applications by utilising multiple data sources, including credit bureau reports and other supporting documentation, to make informed decisions on creditworthiness, financial stability, and affordability. You will need to apply sound judgment while adhering to regulatory guidelines and internal policies.
You will work closely with cross-functional teams, including risk management, product development, and customer service, to streamline processes, identify areas for improvement, and help shape credit policies to reflect market trends and company goals. Your input will be vital in enhancing operational efficiency and ensuring a consistent approach to risk management across the business.
The position requires a commitment to regular evening and weekend shifts to support business needs, with flexibility in how the workweek is structured.
In addition, there will be opportunities to contribute to strategic initiatives, such as refining underwriting criteria, adopting new technologies, and optimising the customer experience, ensuring that your role as a Credit Underwriter goes beyond daily tasks to shaping the future of the department.
Duties & Responsibilities:
Underwriting
§ Review loan applications in alignment with credit policy, risk appetite, and underwriting procedures, ensuring compliance with consumer duty obligations.
§ Review savings applications in alignment with the savings policy, risk appetite, and underwriting procedures, ensuring compliance with consumer duty obligations.
§ Assess supporting documentation for applications, such as bank statements, proof of ID, income tax documents and payslips.
§ Manage cases from application to completion including declines, ensuring all information is assessed properly.
§ Conduct due diligence and ensure compliance with underwriting procedure, FCA guidelines, fraud and financial crime regulations.
§ Utilise CIFAS for fraud detection - analyse and interpret fraud reports, escalating any concerns as necessary.
§ Analyse credit and affordability reports to accurately assess borrower risk. Ensure accurate assessment of borrower creditworthiness in accordance with policies and procedures.
§ Conduct AML searches, and review PEP and sanctions reports to ensure compliance with anti-money laundering regulations and escalate where required.
§ Leverage software tools to support underwriting decisions and maintain high standards of due diligence in every application.
§ Process applications within service standards and key performance indicators
§ Communicate effectively with customers and retailers throughout the onboarding process.
§ Engaging directly with customers via various channels to request information, discuss their applications or answer their queries, ensuring the consistent
§ achievement of great customer outcomes. This includes providing telephony cover and ensuring that all calls are handled within service standards set.
§ Identify opportunities and proactively make recommendations for continuous improvement
§ Other requirements as required by management
Continuous Improvement and Governance
§ Oversee the daily workload of the team, allocating tasks and engaging with the Head of Operations to prioritise work where required
§ Conduct regular first line quality checks and feedback results to team members
§ Training and coaching team members to ensure consistent delivery of good outcomes that are efficient, clear, unambiguous and in line with policy and procedure
§ Act as a point of escalation regarding complex cases or queries
§ Monitor operational MI and data, sharing insight where opportunities for optimisation and improvement are observed
§ With the Head of Credit Operations, contribute to the development of underwriting policy, processes and strategy and where required, work with the Head of Credit Operations to ensure change requirements are clearly documented
§ Form collaborative relationships across the business to deliver our strategic objectives
Experience & Qualifications
This role will suit an experienced underwriter who is confident in handling complex consumer lending cases, seeking out opportunities for improvement and, organising team tasks to ensure efficient and effective completion.
The candidate should be comfortable overseeing the work of other members of the team, providing support and ensuring the right customer outcome is achieved and an exceptional quality of service is delivered.
Applicants should have:
To apply:
We are committed to creating a diverse and inclusive workforce. We believe it makes our company stronger. We celebrate the differences that all our colleagues bring to our business.
Please let us know if you require any adjustments to be made to the recruitment or interview process.
We regret that owing to the volume of applicants, we will not reply to you individually if you are not shortlisted for this vacancy. We thank you, in advance, for your application.