Underwriter (Maternity Cover – FTC ending March 2027)

Overview

Why choose Ultimate Finance?

At Ultimate Finance, we back ambition – properly. We’re a specialist lender built for pace, flexibility and real-world problem solving, helping businesses access funding that fits how they work. You’ll join a team of approachable experts who move quickly, speak clearly and take pride in doing the right thing for customers and partners. We trust people to take ownership, with supportive leaders and experienced teammates on hand. With 20+ years’ experience and over £17bn funded, we’re growing – and we’re looking for people who want to do work that matters.

About the team

Asset Finance at Ultimate Finance is built to keep deals moving. We provide tailored funding for hard assets such as vehicles, equipment and machinery – quickly, clearly and with support that stays close. Working side-by-side with brokers, customers and internal teams, we shape the right solution, deliver a strong customer experience, and apply smart risk controls and operational discipline to get deals completed smoothly and responsibly.

About the role

As an Underwriter in our Asset Finance team, you’ll assess new funding requests and help shape deals that work for the customer and for Ultimate Finance. Working closely with brokers, our sales team and operations, you’ll keep decisions moving – balancing great service with smart risk judgement and high-quality, accurate work. You’ll do it all in line with our values: Decency, Enterprise and Brilliance.

Key responsibilities

• Review new funding requests and give a clear view on the risk and whether we should support the deal
• Analyse financial information (e.g., company accounts/bank info) and summarise the key strengths, weaknesses and risks
• Gather the right background checks and information, and build a complete case for approval
• Record each proposal accurately on our systems so it can be reviewed and progressed smoothly
• Provide clear decisions and practical conditions so the sales team can move the deal forward quickly
• Work closely with sales and operations to ensure a smooth handover from “approved” to “live”
• Keep service standards high when dealing with brokers and customers – clear, professional, responsive communication
• Support the wider team by keeping data accurate, sharing product knowledge, and spotting cross-sell opportunities where appropriate
• Represent Ultimate Finance at broker meetings/events when needed and contribute to market/competitor research

Key skills and knowledge

• Experience in underwriting, credit, asset finance or a similar fast-paced financial services environment (or strong transferrable analysis experience)
• Confident communicator – able to explain decisions clearly to brokers and internal teams
• Strong financial analysis skills and comfort reviewing company accounts and performance trends
• Commercial judgement: able to balance risk, service and deal structure to reach the right outcome
• Good understanding (or willingness to learn) how asset-backed lending works and what we’re taking as security
• Highly organised, accurate and detail-focused – comfortable managing multiple deals at once
• Proactive, self-motivated and calm under pressure, with strong time management
• Values-led and customer-minded, with a collaborative approach across teams