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Bridging Underwriter

Shawbrook Bank
Job LocationBrentwood
EducationNot Mentioned
SalaryCompetitive salary
IndustryNot Mentioned
Functional AreaNot Mentioned
Job TypeContract, full-time

Job Description

The RoleShawbrook is a specialist UK lending and savings bank founded in 2011 to serve the needs of SMEs and individuals in the UK with a range of lending and savings products.We differentiate ourselves by concentrating on markets where our specialist knowledge and personalised approach to underwriting offer us a competitive advantage. This supports attractive stable returns and sustainable growth and benefits businesses and consumers in parts of the market which continue to be poorly served by traditional high street banks. Fundamental to our success is a relationship focus which puts the interests of our customers and business partners at the heart of everything we do, built on a culture which stresses the use of our experience and judgement to make decisions that balance risk, return and customer need.We are looking for a bridging underwriter to join our growing team. As a bridging underwriter you will underwrite short term loan/bridging finance applications in line with the company lending policy, and to manage the application through to completion of the loan.We have the flexibilty to base this role in any of our offices, and can also consider home based working. The sucessful candidate will however need to travel to the London office when required.Responsibilities

  • Ability to adopt a pragmatic approach to underwriting bridging/short term loan mortgage applications in line with approved lending mandate
  • To understand and analyse key items such as credit searches, bank statements, financial accounts, property valuations and business appraisals in order to make informed lending decisions, and ability to assess the applicant’s portfolio, where applicable, in line with the PRA requirements
  • To deliver high levels of accuracy and attention to detail in data input and all written communication produced.
  • Ability to develop a rationale for those cases outside of own lending mandate or company lending policy and communicate findings to Credit Risk department for their consideration
  • To build successful working relationships with external contacts such as brokers, customers, surveyors and solicitors as well as internal teams such as administrators, lending officers, credit risk and finance to ensure all lending requirements are satisfied prior to release of funds
  • Ability to work efficiently whilst maintaining accuracy and a high quality of work under pressure to meet tight deadlines
  • To effectively manage a pipeline of up to 50 cases through to completion, ensuring both company service standards and the lending policy is complied with throughout
  • To deal with all internal and external telephone & email enquiries efficiently and within company standards
  • Ensure a good understanding of all the company’s policies, procedures and compliance guidelines, installing the principles in your daily practice to protect the company from any associated risks
  • To embrace the principles of treating customers fairly and responsible lending in all decision making
    • The Person
  • Excellent understanding of the bridging finance and commercial mortgage sector (minimum 2 years)
  • Good knowledge and understanding of legal conveyancing
  • Experience of working to tight deadlines
  • Experience of working in a regulated bridging environment (desired but not essential)

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