Credit Specialist

Let us tell you a bit about the opportunity

To act as an ambassador of the Bank’s vision to Back more people to go for it in life and in business.

We’re looking for a Credit Specialist to join our team, playing a key role in delivering fair, informed, and commercially balanced lending decisions. You’ll work closely with internal stakeholders to assess credit applications, manage risk effectively, and support customers in achieving their goals while ensuring the Bank’s lending policies and regulatory requirements are met.

What will your day look like?

• Assess and underwrite credit applications, ensuring decisions are made within delegated authority levels and in line with lending policies.
• Analyse financial information, credit reports, and supporting documentation to make sound lending decisions.
• Engage with brokers, customers, and internal stakeholders to obtain additional information and discuss applications.
• Balance risk management with customer outcomes, identifying opportunities to support lending where appropriate.
• Maintain a strong understanding of regulatory requirements, credit policies, and market conditions.
• Support continuous improvement initiatives to enhance processes, customer experience, and operational efficiency.
• Contribute positively to team performance, sharing knowledge and supporting colleagues where needed.

What do we expect from you?

• Previous experience in a credit underwriting, lending, or financial services environment.
• Strong analytical skills with the ability to interpret financial information and assess risk.
• Excellent attention to detail and sound decision-making capabilities.
• Strong communication and stakeholder management skills, with the confidence to challenge constructively when required.
• Ability to balance commercial awareness with prudent risk management.
• A customer-focused mindset with a commitment to delivering fair outcomes.
• A proactive approach to problem-solving and continuous improvement.

What can you expect from us?

• A hybrid working policy, with 2 days per week in our Manchester office.
• A friendly and flexible culture, the same as how we work with our customers.
• A growing organisation that means there are lots of opportunities to progress.
• A drive for continuous improvement, which you will be empowered to get behind from day one.
• And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.

Let us tell you a bit about us

We’re Aldermore – the award-winning bank, trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages, savings accounts and business finance solutions, we’re backing more people to go for it.

We thrive by saying "yes" to our customers. We respect the ingenuity of entrepreneurs and their start-ups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers choose MotoNovo Finance every week to buy their next car, van or motorbike.

Still curious?

Join us and we’ll make the same promises to you as a colleague as we do to each of our customers. We’re committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you’re pregnant or on family leave.

Please note that we have a thorough referencing process, which includes criminal record checks.

We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed.

We lend the money people save with us, to people who want to get on in life; build businesses and create employment, buy property for people to live and work in, and purchase vehicles to move families and goods around.