Senior Underwriter - Commercial

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! 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.