# Underwriter

**Company:** [Elect Capital](http://jobs.workable.com/companies/4Bkd3b4TsTiEFSRnQ28iFT.md)
**Location:** London, United Kingdom
**Workplace:** hybrid
**Employment type:** Full-time
**Department:** Lending

[Apply for this job](http://jobs.workable.com/view/c71446b5-54f2-4c83-bf18-8a49b374d45c)

## Description

**Underwriter**

📍London, UK

**About Elect Capital**

Elect Capital backs ambitious businesses across the UK, Canada, Australia and the US with fast, transparent funding. We deliver 1–9 month business financing with daily or weekly repayments, and 90% of completed applications receive an offer within 4 hours. Whether clients apply directly or through a broker, we make the funding journey sharp, clean and simple.

We're not here to reinvent financing. We're here to do it better.

**Our Mission**

To back ambition — disrupting traditional finance and connecting businesses to capital that moves as fast as they do.

**Our Values: C.O.R.E**

-   Challenge — Ask the hard questions. Improve what you touch.
-   Opportunity — Spot it. Shape it. Run with it.
-   Resilience — Stay steady. Adapt fast. Keep momentum.
-   Edge — Think sharp. Move sharp. Stand out.

**The Role**

We are looking for a sharp, decisive Underwriter to take full ownership of credit decisions. You will assess risk, structure approvals, and work closely with sales, ops, and credit to move good deals fast — and stop bad ones faster. This is a high-impact position where commercial instinct and pace are essential.

**Key Responsibilities**

-   Lead underwriting on deals ranging from £25k to £750k.
-   Analyse financial statements and open banking data to evaluate creditworthiness.
-   Apply credit risk policies while identifying smart, commercial exceptions.
-   Structure offers that balance speed, risk, and commercial value.
-   Partner with the sales team to ensure fast decisions and clean execution.
-   Escalate and advise on complex edge cases and scenarios.
-   Maintain CRM accuracy and detailed underwriting documentation.

**What We're Looking For**

-   Highly organised — nothing gets missed, nothing gets dropped.
-   Thrives in fast-paced environments with many moving parts.
-   Clear, professional communicator with a commercial edge.
-   Self-starter who remains aligned with team goals.

**Bonus:** Experience in unsecured, short-term SME underwriting.

**Our Offer**

-   A fast, focused environment where impact is immediate.
-   Full ownership and a voice in how we improve.
-   Growth opportunities with a company scaling quickly.
-   A team that values clarity, pace, and practical thinking.
-   Competitive salary and a path for progression.
-   The chance to contribute to a mission-driven company.

Think you're a fit? **Let's talk.**