Senior Bridging Underwriter

Shawbrook Bank; Greater London; On-site; GBP 45,000 - 80,000; Full time

Job summary

Join a forward-thinking bank that thrives on innovation and challenges. As a senior member of the Bridging Underwriting Team, you will engage in complex transactions, ensuring favorable customer outcomes while adhering to lending policies. This role offers a dynamic environment where your analytical skills and customer-focused approach will shine. Contribute to a culture that values diversity and professional growth, all while working in a supportive and agile team. If you're ready to make an impact in the banking sector, this is the opportunity for you!

Qualifications

• Extensive experience in bridging and commercial banking.
• Strong analytical skills with a customer-focused mindset.

Responsibilities

• Meet origination targets as a senior member of the Bridging Underwriting Team.
• Prepare detailed credit papers and analyze credit risks.

Skills

Bridging & commercial banking/lending experience

MS Office (Excel, Word, PowerPoint)

Knowledge of TCF and compliance procedures

Analytical skills

Excellent communication skills

Planning and organizational skills

Customer-focused mindset

Job description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility, and our reliable delivery. We are a purpose-led organization focused on delivering long-term, sustainable value for all stakeholders.

Our diversified offering includes innovative lending propositions tailored to meet specific customer needs across SME, Real Estate, and Personal markets. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple digital loans for consumers. We fund our lending through customer deposits, which we attract by providing a premium experience, choice, and consistent value to smart savers.

Our business model is unique and challenging to replicate, combining deep human expertise with advanced digital, tech, and data capabilities. This approach enables us to deliver excellent customer experiences efficiently and at scale. We foster an innovative and agile culture, resulting in high employee engagement and making Shawbrook an attractive workplace for top talent. If you're willing to contribute ideas, work hard, and believe in possibilities, you are our kind of person.

Join us because you:

• Want to be part of a bank built for the modern world
• Enjoy challenges and thrive in a fast-paced, innovative, and hardworking environment
• Seek better ways to solve complex problems and make things happen
• Value diversity and stand shoulder to shoulder with underrepresented groups
• Care about society and the environment, and want to work for a caring business
• Desire professional growth and self-improvement

The Role & Responsibilities

• Work as a senior member of the Bridging Underwriting Team to meet origination targets
• Specialize in larger, complex transactions (£2.5m+), engaging with stakeholders including Group Risk, Head of Underwriting, and Credit Committees
• Prepare detailed credit papers following client interviews and property site visits across the UK
• Ensure favorable customer outcomes in credit assessment and experience
• Analyze credit risks, adhering to Asset Class and Lending Policies across all defense lines
• Implement the Bank and Division’s Risk Management Framework in underwriting activities
• Exercise delegated lending authority up to £2.5m and participate in ad-hoc projects
• Coach and support underwriters, sign off cases outside mandates, and assist in Credit Committee recommendations
• Report to the Senior Manager – Underwriting and Support, liaising with Group Credit Risk and Deal Forums

The Person

• Extensive Bridging & commercial banking/lending experience
• Proficient in MS Office (Excel, Word, PowerPoint)
• Knowledge of TCF and compliance procedures within mortgage industry
• Experience reading financial accounts, valuations, business appraisals, and credit searches
• Analytical, pragmatic approach to underwriting
• Adaptable, flexible, and proactive
• Excellent communication skills, both verbal and written
• Ability to work independently and in teams
• Strong planning and organizational skills
• Enthusiastic, with a positive ‘can-do’ attitude
• Ability to work under pressure and meet deadlines
• Professional appearance and relationship-building skills
• Customer-focused mindset