At a Glance
- Tasks: Assess lender portfolios, analyse risk, and shape underwriting decisions.
- Company: Innovative fintech MGA transforming the UK mortgage insurance landscape.
- Benefits: Competitive salary, growth opportunities, and a dynamic work environment.
- Other info: Office-first culture with excellent career progression in the City of London.
- Why this job: Join a growing team and influence underwriting strategy from the ground up.
- Qualifications: Experience in mortgage lending or credit insurance is preferred.
The predicted salary is between 60000 - 80000 £ per year.
We're supporting a well-backed, fintech-enabled MGA launched by an established mortgage business, building an innovative insurance proposition for UK mortgage lenders and their lending portfolios.
Working directly with the Chief Underwriting Officer, you'll help assess lender portfolios, analyse risk, shape underwriting decisions and play a key role in building the underwriting function as the business grows. This is a genuinely unique opportunity and we're keen to hear from candidates from either a specialist mortgage lending or credit insurance/trade credit background. You don't need experience in both.
Key responsibilities- Assess lender underwriting quality and portfolio risk
- Review loan tapes, arrears, defaults and performance trends
- Produce underwriting recommendations and Credit Committee papers
- Support underwriting governance, risk controls and product development
- Help shape the underwriting framework as the business scales
- Specialist residential or Buy-to-Let underwriting
- Bridging, development or commercial real estate lending
- Portfolio credit risk or lending policy
- Credit insurance or trade credit underwriting
- Credit Committee papers, underwriting governance or portfolio analysis
- Strong underwriting judgement and commercial awareness
- Experience assessing complex secured lending or credit risk
- A hands-on approach and desire to help build something from the ground up
- Excellent analytical and stakeholder management skills
- Work directly with an experienced Chief Underwriting Officer
- Join an ambitious, well-backed business at an exciting stage of growth
- Influence underwriting strategy, products and future direction
- Excellent long-term progression as the business scales
- City of London based with an office-first culture during the early growth phase (3-4 days a week)
Portfolio Underwriter - Secured Lending & Credit Risk in City of London employer: Gerrard White Consulting
Join a dynamic fintech-enabled MGA in the heart of the City of London, where you'll have the unique opportunity to shape the underwriting function alongside an experienced Chief Underwriting Officer. Our office-first culture fosters collaboration and innovation, while offering excellent long-term progression as we grow. With a focus on building a meaningful insurance proposition for UK mortgage lenders, we provide a supportive environment that values your expertise and encourages professional development.
