Underwriter - SME

BMW Group Financial Services UK is looking for an SME Credit Analyst / Underwriter. This role is based at the Summit ONE Campus in Farnborough.

What awaits you?

• Evaluate financial data making a fully justified and sound decision for SME and consumer proposals within approved mandate authority and agreed Service Level Agreements.
• Analyse all factors to assess credit, Anti-Money Laundering, and fraud risk in line with CONC guidelines and latest European Anti-Money Laundering directives.
• Support the Small to Medium Enterprise (SME) Underwriting Team in enhancing Credit, Anti-Money Laundering (AML), and Fraud competencies through evaluating processes and driving process improvements.
• Ensure compliance with relevant credit and regulatory guidelines, including fraud prevention and anti-money laundering activities.
• Review and analyse additional information supplied by the Customer to evidence a decision.
• Collaborate with all underwriting teams and relevant stakeholders (Compliance, Risk, Sales Support, etc.).

What should you bring along?

• Proven underwriting experience, ideally within commercial applications in the financial services sector.
• Relevant experience within the leasing, automotive, and/or financial services industry.
• Strong understanding of regulatory frameworks for lending, including FCA requirements, Anti-Money Laundering (AML), and Financial Crime and their impact on underwriting processes.
• Proven analytical skills and confident decision-making capability with sound judgement.
• Strong communication skills, with the ability to effectively engage with stakeholders.
• Ability to work to deadlines with a high level of accuracy and attention to detail.

Note: The first stage will be a video interview.

Working Pattern:

Our working hours involve 3 shifts that rotate on a weekly basis:

• 08:00-16:15
• 09:00-17:15

The team also work approx. 16 Saturdays and 9 Sundays a year, all of which they receive a day off in lieu for during the week.

Closing Date: 19th June 2026

At BMW Group, we are committed to offering our employees the right balance between work and personal life. We pride ourselves on being a flexible employer, so please discuss your individual requirements as part of the application process to help us agree on a suitable arrangement.

We place great importance on equal treatment and equal opportunities. Our recruiting decisions are based on the personality, experience, and skills of the applicants.

Learn more here.

We are proud to be part of the Disability Confident scheme, which supports employers in making the most of the talents disabled people bring to the workplace.

Successful candidates will be required to complete background screening checks, and the offer of employment will be subject to satisfactory results. These checks include references, right to work, IT system Compliance Integrity Check (COIN), CV, and relevant qualifications. Additional checks may include criminal records, adverse financial (credit), directorships, address verification, internet research, and/or driving licence. If you have any queries about these checks, please discuss them with us, and we will be happy to provide further details.