Senior Credit Underwriter – Real Estate Finance in England

Resourcing talent throughout the lending lifecycle | Real Estate Finance, Commercial Banking & Alternative Finance | Senior Analysts to C-Level…

London based – hybrid working

The Company

• An established, successful, dynamic SME and Real Estate Finance lender who are about to embark on a substantial UK wide growth and expansion programme
• By combining technology with some good common sense, they take a personalised approach to business lending
• Their lending decisions are often bespoke and it’s this personal touch that makes them different
• A small, ambitious team with diverse backgrounds working in a non-corporate, social environment
• They support each other, learn from each other, and have a lot of fun along the way

The Role

• As a senior credit underwriter, you will be an integral part of the credit underwriting team and contribute to the credit philosophy of the business
• You will be joining a growing team with an entrepreneurial, commercial mindset and make‑work attitude
• Initially you will predominantly cover Development Finance and Bridging lending however this will broaden into other real estate finance types over time
• Successful applicants will be granted a sign‑off mandate and be expected to contribute towards streamlining the end‑to‑end processing of credit decisioning and development of junior team members
• As the business grows you will be given the opportunity to build and lead a team

Key Responsibilities

• Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy
• Conduct second reviews of credit recommendations as part of our four‑eye underwriting process
• Accurately report findings from investigations into non‑performing loans, providing feedback to the team and senior management
• Play an active role in monthly credit committee meetings, articulating credit views to the wider business and executive committee
• Contribute to process improvements, ensuring continuous evolution through the adoption of advanced technological solutions
• Support day‑to‑day operations to maintain service level agreements (SLAs)

About You

• 5+ years real estate finance (including development finance) credit underwriting experience with lending mandate in a UK bank or lender
• Self‑motivated, able to work under pressure and driven to succeed
• Strong communication skills both written and oral
• Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business
• Growth mindset and ability to adapt to changing business requirements in a fast‑paced business environment

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function & Industries

Finance; Banking and Financial Services

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