Senior Credit Partner/Underwriter

About us

We are a team of ambitious, passionate, and committed people who have come together to make our shared purpose a reality – to help build better futures for the communities that need it most. We are determined to grow a bank that we can be proud of. One that makes a difference, is empathetic, fair and creates opportunities for everyone.

Role purpose

We are delighted to be growing our Credit team and are seeking a highly experienced Senior Credit Underwriter to join our dynamic team.

In this exciting role, you will play a key role in assessing and underwriting loan applications for our full range of property finance solutions, with a particular focus on portfolio Buy-to-let, Bridging and Commercial Mortgage finance.

One of the best things about this role is the opportunity to help GB Bank deliver sustainable growth, through maintaining high credit standards and a well-balanced lending book. In turn, this will help us to achieve our ambitions and really make a difference.

In this role you’ll find yourself…

  • Conducting thorough financial analysis, risk assessment, and due diligence to make informed credit decisions.
  • Using your personal delegated lending authority to underwrite larger, more complex lending transactions, further advances and account reviews in line with GB Bank Lending Policy, Treating Customers Fairly (TCF) and responsible lending principles.
  • Preparing cases that fall outside your personal lending authority and presenting to appropriate authority holders and Committees where required.
  • Collaborating with Business Development Managers (BDMs) and Relationship Managers (RMs) to undertake early-stage assessments of new lending cases, to provide timely indicative terms responses to borrowers and commercial finance brokers.
  • Identifying and reporting cases that show signs of deteriorating credit quality, in line with GB Bank Business Support Policy.
  • Acting as Deputy for the Head of Credit Underwriting during periods of absence e.g. holidays.
  • Providing guidance and support to junior underwriters, sharing knowledge and best practices to enhance team performance.
  • Being an expert in the Bank’s lending policy and a “go-to” referral point for BDM, RM and other Credit team colleagues.
  • Proactively supporting post-underwriting case progression (e.g. oversight of propertydue-diligence and documentation), as well as supporting post-completion processing and case management (further drawdowns and account reviews).
  • Staying abreast of market trends, regulatory changes, and industry developments to inform decision-making and to identify potential improvements to underwriting systems, policies and procedures.
  • Acting as a subject matter expert, working with colleagues from across the business, on project teams to develop, test and implement improvements to systems and processes.

A bit about you – You are/have most of the following:

  • Extensive experience in credit underwriting within the banking or financial services sector covering a variety of sectors, including Real Estate.
  • Strong analytical skills, understanding of credit risk principles, financial analysis techniques and lending regulations.
  • Proven track record of making sound credit decisions using a significant mandate and managing credit risk in a commercial lending environment.
  • Exceptional communication, interpersonal and stakeholder management skills.
  • Able to work independently and as part of a team, prioritising tasks to meet deadlines in a fast-paced environment.
  • Experience in deputising for senior colleagues and managing more junior colleagues.
  • Driven, with a strong desire to exceed expectations.
  • Confident – able to be pragmatic and exercise good judgement.
  • Excited by the opportunity to work in a rapidly growing start-up bank with a strong purpose.

What we can offer you:

💰 8% company pension contribution and 3% individual contribution (which you can opt to increase)

🌴 30 days holiday every year – which includes your birthday off 🎂 + bank holidays on top

🏖 Work from Anywhere – for four weeks of the year you can work from anywhere worldwide

🏡 Flexible working – you ‘own the way you work’ and we are proud to have been recognised as being one of the top 100 most flexible companies to work for in the world.

🏥 Top tier private medical cover with WPA – includes no excess + you can add family through salary sacrifice

🔒 Death in service at 4 x base salary with Aviva

🧠 Mental health support – through a helpline and counselling sessions

👶 Enhanced maternity, paternity and adoption leave

🎉 Various surprise and delight moments throughout the year to help build team connection

What else do I need to know?

Location: You will predominately work from home but will be required to travel to our offices when your role requires this.

Salary: £60,000 – £75,000

Hours: 35 hours per week

How to Apply:

Please submit both your CV and cover letter to, linking your experience to our requirements in order to have your application considered.

We are an equal opportunities employer and positively encourage applications from suitably qualified and eligible candidates, regardless of their age, sex, race, disability, sexual orientation, gender reassignment, religion or belief, marital/civil partnership status, or pregnancy and maternity.

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