{"id":3023071,"url":"https://alion.io/job/lovey-senior-underwriter","title":"Senior Underwriter","company":{"id":680513,"name":"Lovey","domain":"lovey.com","url":"https://alion.io/company/lovey","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Workable","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Birmingham, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":50000,"max":55000,"currency":"GBP","period":"year","gross":null,"usd_annual":73622},"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":true},{"name":"SQL","optional":true}],"status":"live","first_seen_at":"2026-10-21T18:21:59Z","employer_posted_date":"2026-10-21","last_verified_at":"2026-10-24T15:27:48Z","board_verified":true,"closed_at":null,"days_open":2,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":2},"description":"About the role\nLovey is a UK lender helping small and medium-sized businesses get the funding they need to grow. We're looking for a Senior Underwriter to join our credit team in Birmingham\nThis is a hands-on role for someone who doesn't just assess a deal and move on. You'll underwrite larger and more complex loans, keep a close eye on how the book performs after funding, and use what you see to sharpen how we lend. You'll work closely with the credit leadership team and have real input into how the function develops as we grow.\nLocation: Birmingham, full time office · Reports to: Head of Credit and Risk · Salary: £50,000 - £55,000\nRequirements\nUnderwriting\nUnderwrite SME loan applications end to end, including complex cases in asset-heavy sectors such as construction\nAnalyse financial statements, management accounts, Open Banking data, cash flow and forecasts to build an evidence-based view of affordability and risk\nUnderstand how asset-heavy businesses really make and spend money: contract-based revenue, retentions, work in progress\nPortfolio monitoring and analysis\nBuild and maintain portfolio reporting that tracks arrears, defaults and early warning indicators\nRun vintage, cohort and segment analysis by sector, product and risk grade, and turn the findings into practical recommendations\nTrack how underwriting decisions perform against expectations, including approval rates, overrides and loss rates\nCarry out annual and event-driven reviews on higher-risk exposures\nWork with collections on cases showing stress, using data to agree the right approach early\nShaping how we lend\nUse portfolio insight to recommend changes to credit policy, scorecards and decisioning rules, then measure the impact\nImproving underwriting processes, data quality and the use of automation\nBenefits\nAbout you:\nAt least 5 years' underwriting experience in SME or commercial lending\nExperience lending to asset-heavy businesses such as construction, including contract-based revenue, retentions and work in progress \nHands-on experience of portfolio monitoring: annual reviews, early warning indicators and managing deteriorating credits\nA data-driven approach: confidence building reports, spotting trends and explaining what they mean\nStrong financial analysis skills, with the confidence to challenge numbers and assumptions\nSound judgement and the ability to hold a clear line on risk while staying commercial\nClear written and verbal communication, including presenting to committee\nExperience guiding or reviewing the work of others, formally or informally\nNice to have\nSQL, Python or BI tools such as ThoughtSpot\nExposure to automated decisioning, scorecards or credit policy writing\nExperience in a fintech or fast-growing lender","description_format":"text","description_chars":2743,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Business & SME Lending"],"lifecycle":[{"event":"open","at":"2026-10-21T18:21:59Z"}],"visa":[{"country":"GB","licensed_sponsor":true,"evidence":"Licensed UK visa sponsor (Skilled 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