Graduate Underwriter in London

Location: Swiss Cottage, London (Hybrid Available)

Salary: £35k - £40k

Hours: 9:30 – 17:30

Reporting To: Credit Manager

Job Type: Full Time/Graduate Scheme

The Company

KSEYE Group is an established finance company specialising in the bridging, development, and short-term lending markets. Due to continued growth, the company is now excited to launch its first ever Graduate Scheme. The company will be seeking to hire two graduates who will be fast tracked through the progression routes to eventually become a Senior Underwriter within 3 years (approx.).

Starting as a Graduate Case Manager, you will be a problem solver, ambitious, innovative, with exceptional attention to detail, and the ability to quickly understand the company’s lending policy, scope and lending appetite.

This is a structured graduate programme, designed to develop a high‑potential graduate into a Senior Underwriter with a lending mandate within c.36 months. You will be given suitable training throughout the scheme, from direct, and the wider, management team and from the company’s leadership team.

Stage 1: Graduate Case Manager (0–6 Months)

• Assist in managing loan files and conducting credit, AML and compliance checks.
• Maintain accurate notes and records for each application.
• Provide regular updates to brokers, valuers, clients, and solicitors.
• Identify risks, red flags, and missing documentation.
• Support underwriting decisions through accurate data collection.
• Manage a pipeline of cases to ensure swift progression.
• Assist in handovers to the servicing team.
• Maintain loan filing systems and suggest process improvements.

Stage 2: Case Manager (6–12 Months)

• Independently manage a higher‑volume pipeline.
• Assess property, borrower and security information for risk.
• Identify applications requiring underwriter intervention.
• Liaise with stakeholders to resolve complex issues.
• Improve document quality and contribute to streamlined workflows.

In addition to the responsibilities outlined in Stage 1.

Stage 3: Junior Underwriter (12–18 Months)

• Support full underwriting of bridging loan applications.
• Prepare sections of credit papers and support pricing and structuring.
• Identify and mitigate risks including fraud and money laundering.
• Engage with brokers, valuers and solicitors as the underwriting contact.
• Maintain high‑quality record keeping.

In addition to the responsibilities outlined in Stage 1 & 2.

Stage 4: Underwriter (18–30 Months)

• Independently underwrite bridging loans within criteria.
• Prepare complete, high‑standard credit papers and recommendations.
• Structure and price new enquiries.
• Manage cases from enquiry to completion.
• Review and approve loan documentation.
• Ensure compliance with regulatory and internal policies.
• Apply commercial judgement in decision making.

Stage 5: Senior Underwriter (30–36 Months+)

• Hold a minimum £1m lending mandate.
• Make independent lending decisions with minimal oversight.
• Mentor junior underwriters and case managers.
• Lead on complex or high‑value cases.
• Represent underwriting in internal and external meetings.
• Ensure adherence to best practice and regulatory standards.

In addition to the responsibilities outlined in Stage 3 & 4.

Education & Skills

• 1.1 or 2.1 degree from a UK University in a relevant subject.
• Strong communication and organisation skills.
• High attention to detail.
• Ability to manage multiple deadlines.
• Commercial awareness and problem‑solving capability.
• Keen interest in finance, property, lending and banking.
• No prior experience is required for this position, however, internships, work experience, voluntary experience and/or paid experience will be considered in addition to educational background.

Company Benefits

• Private Medical Insurance (Vitality)
• Cycle to Work Scheme
• Discretionary Annual Bonus
• Holiday Buy‑Back Scheme
• Hybrid Working
• Monthly, Summer & Winter Socials
• Employee of the Month Awards

Disclaimer

Please note, that whilst the scheme aims to progress candidates with the above timeframes and given the structured training plan, the company will review individual candidate performance periodically and progression will be considered based on the ability to complete the current/future stages, understanding of the role and company and whether specific KPIs have been achieved. The company cannot guarantee progression, if the aforementioned criterion has not been achieved.

Equal Opportunities

KSEYE Group is an equal opportunities employer and is committed to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

Should you have any questions or require additional information, please contact [email protected] and a member of the team will be in touch in due course.