Senior Credit Underwriter

In this role you lead Softcat's Credit Underwriting and Risk team within the Finance function, overseeing credit exposure and risk controls for a growing IT solutions business. You partner with sales, finance, and external stakeholders to ensure effective credit decisions and maintain robust risk management. You will review high-exposure portfolios, facilitate due diligence, and communicate outcomes to internal and external parties. This is an opportunity to shape credit risk practices in a collaborative, dynamic environment with impact across the organization.

• Hybrid working – 3 days in the office and 2 days from home
• Flexible working hours
• Flexibility around school pick up/drop offs
• Autonomy and supportive team culture

• Perform credit checks on new and potential suppliers within set DOA
• Review recommendations from Credit Underwriter 1 and 2 and provide feedback
• Review portfolios with high exposure, conduct direct meetings to understand the business
• Review extended payment term requests at order level with thorough due diligence
• Assess creditworthiness of Softcat's customer base including new customers
• Articulate credit check outcomes to Account Managers in writing or verbally with rationale
• Assess customers with high credit limits outside DOA, and advise internal stakeholders
• Provide support to Deputy Credit Risk Manager
• Host team meetings and present updates on industry risk or high-risk customers

• Minimum of 5 years' experience in a similar underwriting role
• Exceptional communication skills and ability to build relationships across the business
• Ability to identify areas for positive change and implement them
• Motivation to uphold high standards of customer service and employee engagement
• Self-motivation to continually improve knowledge and apply learnings to the team
• Strong character to stand by decisions and explain risk considerations
• Ability to take calculated risks with favourable outcomes
• Ability to think critically about risk implications of policies and procedures
• Strong financial literacy and ability to interpret financial information and present analyses
• Strong knowledge of key industry and political risks

• excellent communication
• relationship-building
• change leadership
• credit underwriting
• risk assessment
• financial analysis