Bridging Underwriter Shawbrook Customer Service & Experience Brentwood, GB Published on May 30, 2025

Shawbrook Bank; Brentwood; On-site; GBP 35,000 - 50,000; Full time

Job summary

Shawbrook Bank is looking for an Underwriter specializing in bridging finance to join their team. This role involves assessing lending applications, maintaining relationships with brokers and customers, and ensuring compliance with lending policies. Candidates should be proactive, innovative, and possess strong analytical skills, backed by relevant qualifications. The bank promotes a culture of inclusivity and well-being, supporting professional growth and work-life balance.

Benefits

Family-friendly policies

Employee Assistance Programme (EAP)

Cycle to work scheme

Gym discounts

Pension and life cover

Qualifications

• Experience working in a regulated bridging environment is desirable.
• Strong understanding of bridging finance and commercial mortgages.
• Ability to interpret financial accounts and valuations.

Responsibilities

• Manage a pipeline of approximately 55 bridging loan applications.
• Understand and analyze credit searches, bank statements, and valuations.
• Develop rationale for cases outside of lending mandate.

Skills

Analytical approach

Verbal communication

Written communication

Attention to detail

Relationship building

Education

CeMAP qualification

Tools

MS Office

Job description

• Ability to adopt a pragmatic approach to underwriting bridging loan mortgage applications in line with criteria, policy, and approved lending mandate.
• Understand and analyze key items such as credit searches, bank statements, financial accounts, property valuations, and business appraisals to make informed lending decisions. Ability to assess the applicant’s portfolio, where applicable, in line with PRA requirements.
• Deliver high levels of accuracy and attention to detail in data input and all written communication.
• Develop solid rationale for cases outside of own lending mandate or company policy and communicate findings to Credit Risk department for consideration.
• Build successful relationships with external contacts (brokers, customers, surveyors, solicitors) and internal teams (administrators, completion officers, credit risk, finance) to ensure all lending requirements are satisfied before releasing funds.
• Work efficiently while maintaining accuracy and quality under pressure to meet tight deadlines.
• Manage a pipeline of approximately 55 cases through to completion, ensuring compliance with service standards and lending policies.
• Handle internal and external enquiries via phone and email efficiently and within company standards.
• Understand and apply company policies, procedures, and compliance guidelines daily to mitigate risks.
• Embrace principles of treating customers fairly and responsible lending in decision-making.

The Person

• Strong understanding of the specialist bridging finance and commercial mortgage sectors.
• Good knowledge of legal conveyancing.
• Experience working to tight deadlines.
• Experience in a regulated bridging environment (desired but not essential).
• Proficient in MS Office (Excel, Word, PowerPoint).
• Knowledge of TCF (Treating Customers Fairly).
• Fully CeMAP qualified or willing to work towards.
• Understanding of compliance procedures within the mortgage industry.
• Ability to interpret financial accounts, valuations, business appraisals, and credit searches.
• Analytical and pragmatic approach to underwriting.
• Excellent verbal and written communication skills.

The Opportunity

Shawbrook offers finance to diverse customer segments, emphasizing a premium experience, flexibility, and value. We are a purpose-led organization focused on delivering sustainable value for stakeholders.

Our diversified offerings include tailored lending propositions across SME, Real Estate, and Personal sectors, ranging from structured credit facilities to mortgages for landlords and consumers, delivered digitally. We combine human expertise with advanced digital capabilities to deliver excellent customer experiences efficiently and at scale. Our innovative, agile culture fosters high employee engagement, making Shawbrook an attractive workplace for talented individuals.

If you’re proactive, innovative, and collaborative, you’ll thrive here.

Why work with us? Because you:

• Want a bank built for modern dynamics.
• Enjoy challenges and a fast-paced environment.
• Seek continuous improvement and problem-solving opportunities.
• Value diversity and inclusion.
• Care about societal and environmental impact.
• Desire professional growth.

Reward

We support your wellbeing with benefits like:

• Family-friendly policies from Day 1 (Maternity, Adoption, Paternity).
• Access to Headspace and Peppy health apps.
• Employee Assistance Programme (EAP).
• Cycle to work scheme, gym discounts, pension, and life cover.

We promote work-life balance through benefits like holiday buy/sell schemes, discounts, and community involvement.

We reward contributions via bonuses and recognition schemes.