At a Glance
- Tasks: Analyse credit proposals and make balanced decisions in a dynamic banking environment.
- Company: Join Hampshire Trust Bank, a specialist bank focused on empowering UK businesses.
- Benefits: Enjoy competitive pay, private medical insurance, and generous annual leave.
- Other info: Hybrid working model with excellent growth opportunities and supportive culture.
- Why this job: Make a real impact in the finance sector while developing your career.
- Qualifications: Experience in credit risk underwriting and strong analytical skills required.
The predicted salary is between 50000 - 60000 € per year.
Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions. We offer niche specialty lines, as a SME bank, targeting under‑served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper. Our vision is to be the go‑to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high‑performing culture grounded in excellence and integrity.
HTB is seeking a Sanctioner within the 2nd Line of Defence Credit Risk function, taking responsibility for sanctioning credit proposals within own delegated authority and providing sanctioning support and cover within the Credit Risk team. Typical facilities range between £1m - £35m. The role holder will be expected to analyse new and existing propositions across real estate bridging and investment sectors, make well balanced decisions and where required suitable recommendations to senior management and/or Credit Committee and operate confidently within a personal lending mandate. The role holder will also be involved in the review and monitoring of credit risk at portfolio level, the review and analysis of credit risk data and where required assisting in the review and development of credit risk management frameworks, including credit policies.
Key Responsibilities:
- Act as a sounding board to the Bridging & Specialist Mortgages business units in respect of transactions in process.
- Operate a personal delegated lending authority in accordance with the Bank’s Credit Risk Management Framework and Credit Risk Policies ensuring compliance and mitigating risk effectively.
- Prepare and present comprehensive credit risk assessment reports and actionable recommendations to the Transactional Credit Committee.
- Support the development of an appropriate risk culture within the business.
- Contribute to the ongoing development and review of credit risk policies to maintain a coherent framework for the management and oversight of credit risk, as well as supporting improvements and operational efficiencies to the credit risk framework and sanctioning processes.
- Assist the Sector Head of SM & Bridging Finance in the review, monitoring and reporting of credit risk profiles at a counterparty and portfolio level.
This role will report directly into a Senior Underwriter in the SM & Bridging Finance Credit Risk Team.
Required Skills & Experience:
- Demonstrable lending experience in credit risk underwriting and sanctioning roles with an emphasis on Specialist mortgages including Buy to Let, HMO and Real Estate Bridging Finance.
- Good knowledge of financial, business, economic, and property markets, coupled with a strong awareness of the regulatory framework, enabling informed decision‑making.
- Strong analytical skills with a good working knowledge of risk grading systems and processes.
- A team player willing to go beyond the norm to deliver exemplary standards.
- Proven influencing and communication skills.
- Evidence of balanced and independent judgement.
Competitive remuneration including discretionary annual bonus and annual pay review. Private Medical Insurance (Bupa). 25 days annual leave (increasing with service) + Holiday Buy Scheme. Cycle to Work Scheme & Green Car Scheme. Enhanced family leave policies. Study support & professional memberships. Hybrid working (50/50 London). Interest‑free season ticket loan.
Credit Risk Underwriter – Specialist Mortgages & Bridging Finance employer: Hampshire Trust Bank
Hampshire Trust Bank is an exceptional employer, offering a dynamic work environment where expertise and integrity are at the forefront of our mission to support UK businesses. With competitive remuneration, generous annual leave, and opportunities for professional development, we foster a culture that values employee growth and well-being. Our hybrid working model and commitment to enhancing family leave policies further demonstrate our dedication to creating a rewarding workplace for our team members.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Underwriter – Specialist Mortgages & Bridging Finance
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their values and how they align with your own. This will help you stand out and show that you're genuinely interested in being part of their team.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience and how it relates to the role of a Credit Risk Underwriter. Highlight your analytical skills and any relevant lending experience to make a strong impression.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are proactive about their job search.
We think you need these skills to ace Credit Risk Underwriter – Specialist Mortgages & Bridging Finance
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the role of Credit Risk Underwriter. Highlight your experience in credit risk underwriting and any relevant skills that match the job description. We want to see how you can bring your expertise to our team!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background aligns with our mission at Hampshire Trust Bank. We love seeing genuine enthusiasm for what we do.
Showcase Your Analytical Skills:Since this role involves a lot of analysis, make sure to highlight your strong analytical skills in both your CV and cover letter. Give examples of how you've used these skills in past roles to make informed decisions.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Hampshire Trust Bank
✨Know Your Numbers
As a Credit Risk Underwriter, you'll need to be comfortable with financial data. Brush up on your knowledge of credit risk assessment metrics and be ready to discuss how you would analyse propositions in the real estate sector. Prepare examples from your past experience where you've successfully assessed risk.
✨Understand the Regulatory Landscape
Familiarise yourself with the regulatory framework that governs credit risk in the UK. Be prepared to discuss how these regulations impact decision-making in lending. Showing that you understand compliance will demonstrate your readiness for the role.
✨Showcase Your Analytical Skills
During the interview, highlight your analytical skills by discussing specific tools or methodologies you've used in previous roles. Bring along examples of credit risk reports you've prepared, and be ready to explain your thought process behind your recommendations.
✨Be a Team Player
Hampshire Trust Bank values collaboration, so be sure to convey your ability to work well within a team. Share experiences where you've supported colleagues or contributed to a positive team culture, especially in high-pressure situations related to credit risk.
