Senior Credit Underwriter – Specialist Property Finance
Location: London / Hampshire
Jacobson Garner is partnering with a specialist lender to appoint an experienced credit professional into its property finance business. This is a senior, hands on opportunity combining complex underwriting and credit decision making with responsibility for lending policy and underwriting standards.
You’ll act as a technical referral point for the underwriting team and help shape how the business assesses and manages property credit risk.
The role
- Assess and approve complex property lending proposals within a delegated lending mandate, including specialist buy to let, portfolio landlord lending and bridging finance.
- Support underwriters with complex cases, policy interpretation and referrals, providing clear recommendations where further approval is required.
- Own the review and development of lending policy, ensuring it reflects risk appetite, market conditions and regulatory requirements.
- Review underwriting quality and mandate adherence, identifying trends, gaps and opportunities to strengthen lending standards.
- Work closely with origination, operations and second line risk colleagues, balancing commercial objectives with sound credit judgement.
About you
You’ll bring strong technical underwriting experience within specialist property finance, including exposure to complex buy to let, portfolio landlords and bridging lending.
Experience assessing more complex or higher risk transactions is essential, alongside the confidence to make and explain decisions that require judgement beyond standard lending criteria.
You’ll also have:
- A track record of making credit decisions within a delegated mandate.
- Experience contributing to credit policy, lending frameworks or underwriting standards.
- A practical understanding of first line risk ownership and the controls supporting sound lending decisions.
- The ability to challenge sales teams and senior stakeholders constructively while maintaining productive relationships.
- Experience reviewing underwriting decisions and supporting the development of colleagues.
- Knowledge of relevant regulatory requirements and experience working within an audit environment.
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Senior Credit Underwriter - Specialist Property Finance employer: Jacobson Garner
Jacobson Garner is an exceptional employer, offering a dynamic work environment where compliance professionals can thrive. With a strong focus on employee development and a collaborative culture, team members are encouraged to grow their skills while contributing to the strategic direction of the business. Located in the UK, this role provides unique opportunities to engage with key regulatory bodies and shape the future of compliance in the insurance sector.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Underwriter - Specialist Property Finance
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Some tips for your application 🫡
Show Your Real-Estate Savvy:When crafting your CV and cover letter, make sure to highlight any relevant experience in the real estate sector. If you've done internships, assistant roles, or even relevant coursework, lay it out clearly. We want to see your familiarity with market trends, property management, or any sales experience you've got under your belt!
Quantify Your Achievements:In real estate, numbers speak volumes! When detailing your past roles, use concrete figures to demonstrate your achievements. For example, mention how many properties you sold, the percentage increase in client satisfaction, or any successful negotiations. These metrics can give your application that extra punch it needs!
Tailor Your Documents for the Job:Every application should feel personal. When applying for the Senior Credit Underwriter - Specialist Property Finance role at Jacobson Garner, tweak your CV to focus on aspects that are important to them. If they value client relationships, emphasise your interpersonal skills. We want to see you aligning your experiences with what they're looking for!
Keep It Professional Yet Approachable:While we want you to show off your expertise, don't forget to let your personality shine through in your cover letter. A touch of friendliness can set you apart, especially in real estate where client interaction is key. Show that you're ready not just to work with the property but also with people!
How to prepare for a job interview at Jacobson Garner
✨Know Your Market Trends
In real estate, it’s all about staying ahead of the curve. Make sure we brush up on the latest market trends in the area where Jacobson Garner operates. Being able to discuss local property values, demand, and upcoming developments will show that we’re not just interested in the job, but genuinely invested in the industry.
✨Prepare for Scenario Questions
Expect some scenario-based questions during the interview. We might get asked how we’d handle different client situations or property evaluations. Preparing our responses for common real estate scenarios not only demonstrates our problem-solving skills but also shows that we can think on our feet in a client-facing role.
✨Showcase Your Connections
In full-time real estate, networking is key! Let’s think about our connections in the industry and what we can bring to Jacobson Garner. Whether it’s insights on prospective clients or relationships with local contractors, talking about these experiences can set us apart from other candidates.
✨Demonstrate Technical Savvy
Familiarity with different real estate software tools is a big plus. We should be ready to discuss any platforms we've used, whether it's for property management, CRM, or data analysis. Being comfortable with technology not only makes us more efficient, but also shows that we’re adaptable to the tools used at Jacobson Garner.
