Senior Underwriter

About the Company

We are a growing alternative finance firm specializing in providing flexible working capital solutions for SMEs across the UAE. By blending international lending knowledge with local market insights, we offer quick and transparent funding options including invoice factoring and merchant cash advances.

Role Overview

The Senior Underwriter is responsible for leading the credit evaluation and underwriting decisions for the SME finance portfolio. This position demands strong credit analysis skills, commercial intuition, and the capacity to structure financing facilities that protect portfolio quality while delivering timely results to clients.

Key Responsibilities

• Evaluate SME funding applications to assess creditworthiness and repayment capacity.
• Conduct in-depth analysis of financial statements, bank transaction histories, cash flow dynamics, and other credit-related data.
• Develop detailed credit proposals outlining potential risks, mitigating factors, pricing, and terms of facilities.
• Exercise credit decision-making within assigned authority limits and escalate complex or exceptional applications as required.
• Design facility structures that effectively balance client expectations, commercial profitability, and accepted risk levels.
• Collaborate closely with Sales, Operations, Compliance, and Collections teams to ensure smooth transaction execution.
• Keep precise credit documentation and contribute to enhancement of policies and procedures.
• Provide guidance and mentorship to junior underwriting personnel.

Candidate Profile

• A Bachelor’s degree in Finance, Accounting, Economics, Business, or other relevant fields.
• A minimum of five years’ experience in SME lending, commercial credit analysis, or alternative finance sectors.
• Strong expertise in financial assessment and credit evaluation.
• Preferred experience includes unsecured SME lending, invoice financing, factoring, or merchant cash advance products.
• Familiarity with the UAE SME market is a plus.
• Excellent communication skills, sound judgment, organizational talent, and keen attention to detail.
• Ability to work independently in a dynamic, fast-expanding business environment.

What We Offer

• Attractive salary package with performance-based bonuses.
• Chance to influence underwriting procedures within an emerging UAE company.
• Engagement with senior leaders in an international group.
• A cooperative workspace promoting strong opportunities for career growth.