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 Monday to Friday hours.
- Other info: Opportunity for career growth and contribution to continuous improvement.
- Why this job: Gain genuine credit authority and make impactful decisions in specialist lending.
- Qualifications: Two years' experience in credit risk underwriting and knowledge of property lending markets.
The predicted salary is between 60750 - 74250 £ 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 employer: Fintelligent Search
As a Senior Account Handler in our Leeds-based team, you'll thrive in a supportive and collaborative work culture that prioritises technical development and meaningful client relationships. We offer competitive benefits, opportunities for professional growth, and the chance to engage with exciting motorsport events, making this an excellent employer for those seeking a rewarding career in specialist commercial motor insurance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Underwriter - Bridging & Buy-to-let
✨Dive Into Industry Networking Events
Get your foot in the door by attending insurance industry events and conferences. Not only will you learn about the latest trends, but you'll also meet potential employers and industry peers. Check out local chapters of professional bodies like the Chartered Insurance Institute for valuable meetups.
✨Use LinkedIn to Your Advantage
Don’t underestimate the power of LinkedIn in the insurance world. Engage with industry content, join relevant groups, and connect with professionals at companies you admire (like Fintelligent Search). A thoughtful message explaining your interest can really make a difference!
✨Look Out for Graduate Schemes
Many firms in insurance have structured graduate programmes. Keep an eye on application windows and utilise your university's career services for insider tips. These schemes are designed to develop talent and often lead to permanent roles after your initial training.
✨Leverage Your Current Connections
Got friends or family in the industry? Now’s the time to reach out! Personal referrals can give you a head start, so let them know you're on the lookout for full-time opportunities at places like Fintelligent Search. Don’t shy away from asking for a coffee chat; you never know what doors it might open!
We think you need these skills to ace Credit Risk Underwriter - Bridging & Buy-to-let
Some tips for your application 🫡
Highlight Your Analytical Skills:In insurance, we love a candidate who can crunch numbers and analyse data effectively. When crafting your CV, make sure to showcase any relevant coursework or experiences that highlight your analytical abilities, especially if you’ve tackled risk assessment or financial modelling.
Showcase Industry Knowledge:Don’t be shy about your knowledge of the insurance sector! We want to see that you've done your homework on current trends, regulations, and challenges in the industry. Mention any relevant projects or studies you’ve completed that demonstrate your understanding of the field in your cover letter.
Craft a Compelling Cover Letter:Your cover letter should tell us why you’re passionate about insurance. Share any personal experiences or what drew you into this profession. We’re looking for enthusiasm and a clear motivation for why you want to be part of our team at Fintelligent Search.
Tailor Your CV for the Role:Don't just send a generic CV! Focus on tailoring it specifically for the insurance role at Fintelligent Search. Highlight relevant skills such as risk management, customer service experience, or any certifications you've earned in the industry to make your application stand out.
How to prepare for a job interview at Fintelligent Search
✨Know Your Numbers: Insurance Fundamentals
Brush up on your understanding of key insurance concepts, like underwriting principles and risk assessment. Expect the interviewer at Fintelligent Search to throw some technical questions your way, so be ready to demonstrate your grasp of these essentials.
✨Showcase Your Analytical Side
In the insurance world, it's all about data. Prepare to discuss any analytical tools or methodologies you've used in past experiences. If you have a portfolio of projects where you've tackled complex data, bring that along to impress the team!
✨Prepare for Behavioural Questions
As a full-timer at Fintelligent Search, they'll want to know how you handle real-life scenarios, not just theory. Think about challenges you've faced in teamwork or customer service, and how those experiences can relate to a career in insurance.
✨Know the Company Culture Inside Out
Understanding Fintelligent Search's values and workplace culture is essential. Don’t just memorise their mission statement; think about how your personal values align with theirs. This will show your genuine interest in being part of their team long-term.
