Senior Bridging Underwriter

Shawbrook; London; On-site; GBP 45,000 - 75,000; Full time

Job summary

An established industry player seeks a skilled senior member for their Bridging Underwriting Team. This role involves managing complex transactions, ensuring favorable customer outcomes, and collaborating with key stakeholders. The ideal candidate will thrive in a fast-paced environment, leveraging their extensive banking experience to deliver exceptional service. If you are ready to take on challenges and contribute to a purpose-led organization focused on sustainable value, this opportunity is perfect for you. Join a team that values innovation and employee engagement while making a positive impact in the finance sector.

Benefits

Market leading family friendly policies

Free access to Headspace app

Free access to Peppy digital health app

Employee Assistance Programme

Cycle to work scheme

Discounts on gym membership

Contributory pension scheme

Minimum of 27 days holiday

Flexi-holiday scheme

Annual discretionary bonus scheme

Qualifications

• Extensive experience in bridging and commercial banking is essential.
• Strong analytical skills to assess credit risks effectively.

Responsibilities

• Deliver origination levels required by the Division in complex transactions.
• Write detailed credit papers and ensure compliance with policies.

Skills

Bridging & commercial banking/lending experience

Analytical and pragmatic approach to underwriting

Excellent verbal and written communication skills

Ability to work under pressure

Customer-focused approach

Adaptable & flexible

Planning and organisational skills

Proactive & Self Driven

Education

Knowledge of compliance procedures within the mortgage industry

Reading financial accounts and credit searches

Tools

MS Office suite (Excel, Word, Power-Point)

Job description

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Company Description

Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.

We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.

The business model we have created is unique and difficult to replicate, with our 'best of both' approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you're willing to roll up your sleeves, contribute new ideas and believe anything is possible, you're our kind of person.

Work with us because you:

• Want to be part of a bank built for the dynamics of the modern world
• Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
• Enjoy finding new and better ways to solve complexity and make things happen
• Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
• Care about society and the environment and want to be part of a business that cares too
• Want to continue to grow professionally and be the best version of yourself

Job Description

• To work as a senior member of the Bridging Underwriting Team in order to deliver the origination levels required by the Division
• The role specialises in larger, complex transactions (£2.5m+) and requires extensive interaction with key stakeholders including Group Risk, Head of Underwriting, National Sales Manager and members of both Complex Deal Forum and Credit Approval Committee
• Responsibilities include the writing of detailed credit papers for submission to Group following face to face client interviews and/or property site visits - these visits to be UK wide
• To deliver favourable customer outcomes in terms of credit assessment and customer experience
• To analyse and understand credit risks being presented and ensure both Asset Class Policies and Lending Policies are understood and respected across First and Second Lines of Defence
• To embed both the Bank and Division's Risk Management Framework within all activities within the underwriting teams
• The role holder will be required to exercise a delegated lending authority of up to £2.5m and participate in ad-hoc projects as required
• Coach and support Underwriters in the wider teams, signing off cases outside of their mandates and supporting recommendations into Credit Approval Committee
• Reporting to the Senior Manager - Underwriting and Support, principal interfaces will be with the Group Credit Risk and the Complex Deal Forum

Qualifications

• Strong Bridging & commercial banking/lending experience
• Computer literate (good knowledge of MS Office suite - Excel, Word, Power-Point)
• Knowledge of TCF
• Good knowledge of compliance procedures within the mortgage industry.
• Reading of financial accounts, valuations, business appraisals and credit searches.
• Ability to develop an analytical and pragmatic approach to underwriting
• Adaptable & flexible
• Excellent verbal and written communication skills
• Ability to work on own and as part of a team.
• Excellent planning and organisational skills
• Enthusiastic "can do" attitude
• Able to work under pressure and to tight deadlines
• Professional, well presented
• Establishes effective working relationships at all levels
• Customer-focused approach
• Proactive & Self Driven

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

• Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
• Free access to Headspace, a mindfulness & meditation digital health app
• Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
• EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
• Cycle to work scheme
• Discounts on gym membership
• Contributory pension scheme & death in service

Your Lifestyle - It's important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you're enjoying your leisure time.

• Minimum of 27 days holiday per year
• Option to buy or sell holiday days through our flexi-holiday scheme
• Discounts on gym membership nationwide
• Access to discounts on a range of high street and online brands
• Community support and charitable giving

Your Contribution - We're focused on rewarding those that go the extra mile in helping us achieve our goals.

• Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
• Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done