Bridging Underwriter

Customer Service & Experience

London, England, GB

Posted on

Employer reference: REF902K

The Opportunity

Shawbrook is a specialist bank driven by a purpose to power up ingenuity to create opportunity, every single day.             

We offer a diverse range of savings and loan products. From personal and business savings accounts and loans for weddings and new cars, to complex financial credit facilities for businesses requiring significant investment and mortgages for landlords with multiple properties – no two customers are ever the same.     

We give our customers the best-of-both worlds; uniquely combining strong digital capabilities with human expertise and ingenuity to deliver the best outcomes. We rise to the challenge of a complex case or unconventional circumstances, and we love to make things happen. By being creative, practical, and personal, we know we can always find the right solution for our customers.

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

The Role & Responsibilities

  • Ability to adopt a pragmatic approach to underwriting bridging loan mortgage applications in line with criteria, policy and 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 undefined
  • To deliver high levels of accuracy and attention to detail in data input and all written communication produced
  • Ability to develop a solid 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, completion 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 in order to meet tight deadlines
  • To effectively manage a pipeline of c55 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 undefined
  • To embrace the principles of treating customers fairly and responsible lending in all decision making

The Person

  • GCSE (or equivalent) in Maths and English
  • Fully CeMAP qualified or a desire to work towards
  • Degree/MBA or similar business qualification or equivalent work experience appropriate to the role
  • Excellent understanding of the specialist bridging finance and commercial mortgage sector
  • 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)
  • Computer literate (good knowledge of MS Office suite – Excel, Word, PowerPoint)
  • Knowledge of TCF
  • Good knowledge of compliance procedures within the mortgage industry
  • Reading and understanding 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
  • Accuracy & attention to detail

Reward

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

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