Senior Credit Underwriter/Analyst - SME LendingDublin City Centre/HybridLeading non-bank lenderCompetitive salary and bonus on offerThe CompanyMarket leading financial services firm seeking to hire a Senior Credit Underwriter for SME Lending.Key ResponsibilitiesAssess and approve complex SME credit applications, conducting detailed financial, cashflow and covenant analysis to ensure prudent lending decisions aligned with internal risk frameworks.Lead the underwriting process for higher-value and non-standard cases, providing guidance to junior underwriters and ensuring all proposals meet policy, regulatory and compliance requirements.Prepare clear, commercially focused credit papers for Credit Committee, articulating risks, mitigants, security structures and recommended terms.Monitor portfolio performance and early warning indicators, proactively identifying deteriorating cases and collaborating with Relationship Managers to implement corrective actions.Key Skills Required5+ years' experience in credit underwriting within SME lending, commercial lending, asset finance or non-bank lending, with a strong track record of assessing complex cases.Strong financial analysis capability, including interpreting management accounts, cashflow forecasts, covenants, security structures and sector-specific risks.Sound understanding of Irish SME lending regulations and ideally familiarity with non-bank lender credit frameworks, underwriting models and risk appetite.