Secured Loan Underwriter

Brooke Harrison Recruitment; Watford; On-site; GBP 30,000 - 40,000; Full time

Job summary

A specialist lending company in Watford is seeking a Secured Loan Underwriter to manage cases from application to completion, ensuring compliance with policies and regulations. The ideal candidate will have strong communication skills, attention to detail, and experience in the secured lending sector. Benefits include a competitive salary, pension scheme, private medical healthcare, and casual dress on Fridays.

Benefits

Competitive salary with potential annual bonus or commission

Pension scheme (employee 5% / employer 4%)

Private medical healthcare and wellness benefits

Life assurance of 2x salary

Dental plan and DSE-related eye test reimbursement

Annual leave purchase scheme

Free tea, coffee, and hot chocolate

Team events, recognition ceremonies, and office activities

Casual dress on Fridays

Responsibilities

• Enter and maintain borrower data accurately on the Fusion lending platform.
• Assess secured loan applications against underwriting criteria and company policy.
• Provide timely updates to brokers and proactively chase outstanding items.
• Manage a personal pipeline of cases from inception to completion.
• Build and maintain relationships with brokers, solicitors, and other partners.
• Ensure underwriting decisions fall within the Group's risk appetite.
• Contribute to continuous improvement and uphold internal policies.

Skills

Strong written and verbal communication skills

High attention to detail and organisation

Team player with ability to work independently

Confident under pressure and meeting deadlines

Proficient in data entry and loan management systems

Previous experience managing a caseload in a fast-paced environment

A good understanding of the underwriting process

Education

CeMAP qualification (desirable)

Industry-relevant qualifications (beneficial)

Solid understanding of FCA regulations

Experience within the secured lending sector

Experience underwriting secured loans (1st or 2nd charge)

Job description

Overview

Secured Loan Underwriter

An established specialist lender is looking for an underwriter to join its Secured Loans team. The successful candidate will manage allocated cases from application through to completion, ensuring all underwriting meets company policies, regulatory standards, and risk appetite. The role also involves maintaining strong relationships with brokers and third parties.

Responsibilities

• Enter and maintain borrower data accurately on the Fusion lending platform
• Assess secured loan applications against underwriting criteria, company policy, and FCA regulation
• Provide timely updates to brokers and proactively chase outstanding items
• Manage a personal pipeline of cases from inception to completion
• Build and maintain relationships with brokers, solicitors, and other partners
• Ensure underwriting decisions fall within the Group's risk appetite
• Contribute to continuous improvement and uphold internal policies

Skills & Competencies

• Strong written and verbal communication skills
• High attention to detail and organisation
• Team player with ability to work independently
• Confident under pressure and meeting deadlines
• Proficient in data entry and loan management systems
• Previous experience managing a caseload in a fast-paced environment
• A good understanding of the underwriting process

Knowledge & Qualifications

• CeMAP qualification desirable but not essential
• Industry-relevant qualifications are beneficial but not a requirement
• Solid understanding of FCA regulations
• Experience within the secured lending sector
• Experience underwriting secured loans (1st or 2nd charge)

Personal Attributes

• Professional, articulate, and flexible
• Resilient under pressure
• Well-organised with a methodical approach

Benefits

• Competitive salary with potential annual bonus or commission
• Pension scheme (employee 5% / employer 4%)
• Private medical healthcare and wellness benefits
• Life assurance of 2x salary
• Dental plan and DSE-related eye test reimbursement
• Annual leave purchase scheme
• Free tea, coffee, and hot chocolate
• Team events, recognition ceremonies, and office activities
• Casual dress on Fridays

If you would like to be considered for the role please send your updated cv for immediate consideration !

If you do not receive a response within 48 hours, this may indicate that your application does not meet the required criteria