At a Glance
- Tasks: Sanction specialist mortgage proposals and influence credit policy in a dynamic environment.
- Company: Join an established specialist lender focused on sound risk management and inclusivity.
- Benefits: Competitive salary, hybrid working, and a supportive culture for continuous improvement.
- Other info: Opportunity for career growth and collaboration with senior stakeholders.
- Why this job: Take on meaningful credit authority and make impactful decisions in specialist lending.
- Qualifications: Minimum two years' experience in credit risk underwriting and knowledge of property lending.
The predicted salary is between 65000 - 70000 £ per year.
Meaningful 2nd Line credit authority | £1m–£35m specialist lending exposure | Hybrid working | Influence credit policy and portfolio risk
If you’re an experienced
Underwriter – Specialist Mortgages & Bridging Finance looking to move beyond transactional underwriting, this role gives you genuine credit authority within a 2nd Line Credit Risk function.
You’ll assess and sanction specialist property lending proposals typically ranging from £1m to £35m.
Alongside individual credit decisions, you’ll gain broader exposure to portfolio reviews, credit policy and lending assurance, working closely with senior Credit Risk stakeholders and Credit Committee.
Package & Benefits
- Hybrid working, with a minimum 50% of each month based in the head office.
- Monday to Friday working hours, typically 9am–5.30pm.
About the Company
You’ll join an established specialist lender operating within a regulated environment.
The business places clear emphasis on sound risk management, good customer outcomes and an inclusive culture where colleagues are expected to contribute to continuous improvement.
Key Responsibilities
- Sanction specialist mortgage and bridging finance proposals within your delegated lending authority, ensuring decisions align with the Credit Risk Management Framework.
- Assess complex lending proposals and present clear credit recommendations to senior management and Credit Committee where required.
- Support portfolio reviews, credit risk monitoring and deep-dive investigations across specialist mortgages and bridging finance.
- Contribute to credit policy development, lending assurance and improvements to credit risk and sanctioning processes.
About You
- At least two years’ recent experience in credit risk underwriting and sanctioning.
- Experience across specialist mortgages, including Buy to Let, HMO and real estate bridging finance.
- Strong working knowledge of credit risk assessment, risk grading and relevant property lending markets.
If you’re interested in taking on broader 2nd Line credit responsibility, we’d be happy to discuss the role even if your CV isn’t fully up to date.
Contact Fintelligent for more information or a confidential discussion.
Credit Risk Underwriter - Bridging & Buy-to-let in London employer: Fintelligent Careers
Join a dynamic financial services group that offers the unique opportunity to lead and build a new insurance division from the ground up. With a strong emphasis on entrepreneurial freedom, you will benefit from an established client network, comprehensive support, and a meaningful equity opportunity, all within a culture that fosters growth and innovation. This role not only allows for strategic leadership but also positions you at the forefront of creating long-term value in the commercial and real estate insurance sectors.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Underwriter - Bridging & Buy-to-let in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Fintelligent Careers. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Underwriter - Bridging & Buy-to-let in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Fintelligent Careers.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Fintelligent Careers's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Fintelligent Careers
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Fintelligent Careers.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Fintelligent Careers will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Fintelligent Careers employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
