Senior Credit Manager (Corporate)

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

We are seeking a highly skilled Senior Credit Underwriter to join our team in London, United Kingdom. In this critical role, you will be responsible for evaluating and analysing complex credit applications, assessing risk, and making informed lending decisions to support our organization's growth while maintaining a strong risk management framework.

• Conduct forensic analysis of credit applications, with detailed assessment of financial performance, cashflows, forecasts and key risk drivers.
• Challenge and shape deal structures — including leverage, covenants, security and repayment profiles — ensuring proposals align with risk appetite.
• Benchmark commercial terms against prevailing market conditions and provide balanced, evidence-based challenge.
• Prepare clear, confident credit recommendations and present cases at Credit Committee.
• Provide early-stage guidance to Deal Teams to influence structure, pricing and risk positioning ahead of formal underwriting.
• Monitor in-life exposures to identify emerging risks or refinancing opportunities.
• Collaborate effectively across the business to support strong customer outcomes and portfolio discipline.
• Mentor and support junior underwriters, contributing to the continuous improvement of underwriting standards and processes.

• Significant experience underwriting mid-market or corporate lending transactions.
• Advanced financial analysis skills and the ability to undertake forensic-level assessment where required.
• Strong credit judgement and the confidence to articulate risk and structuring rationale.
• Awareness of relevant regulatory expectations (e.g., IFRS9) and how they inform credit decisions.
• A commercial mindset with the ability to balance opportunity and disciplined risk management.

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done