Senior Underwriter in London

LendInvest is the UK’s leading FinTech platform for property finance. Over the past 17 years, we have grown from just our two founders to a team of over 200 working to make property finance simple for everyone. A workplace culture built around trying new things, getting things done, and having fun while we do it has helped us lend more than £7.5 billion of mortgages, put thousands of new or improved homes into the UK housing market, and successfully launch on the London Stock Exchange. We have big plans to continue growing the business, our products, our technology, and our people.

As a Bridging & Development Finance Underwriter at LendInvest, you will play a key role in the assessment and approval of unregulated bridging loans and development finance applications. Your expertise in credit risk assessment, valuations, and legal due diligence will help shape responsible lending decisions while balancing commercial success and customer outcomes. This is more than just underwriting—it’s about owning the process, making strategic lending decisions, and ensuring we continue to lead the way in specialist property finance. You’ll be a critical part of a collaborative, fast-paced team, working closely with the development finance relationship managers and bridging sales teams.

Key responsibilities:

• Take ownership of the bridging and development finance underwriting process, delivering high-quality and timely lending decisions.
• Conduct detailed credit assessments on refurbishment and development projects, providing tailored solutions for complex cases.
• Conduct thorough due diligence on borrowers, assets, and exit strategies.
• Preparing cases for Credit Committee approval with clear analysis.
• Developing your own underwriting skills and knowledge.
• Acting as the initial point of contact for the reviewing and resolving of Financial Crime referrals with clear and consistently documented rationales.
• Ensure all decisions are easy to interpret, and align with the AML & Compliance guidelines.
• Ensuring a high standard of service/communication when liaising with borrowers or brokers by telephone, email and letter.
• Manage personal pipeline to ensure cases progress in line with service standards.
• Reviewing requests for facility extensions and amendments.
• Collaborate closely with brokers and internal teams to ensure smooth communication and exceptional client outcomes.
• Identify opportunities to improve underwriting processes and operational efficiency.
• Provide guidance and mentorship to junior colleagues as the business grows.

About you:

• Proven experience as a mortgage or property finance underwriter, with exposure to bridging and development finance, including refurbishment projects.
• Resilient, confident and committed with the ability to engage and form strong relationships with key stakeholders.
• Strong analytical skills, with the ability to assess complex cases and make confident lending decisions.
• Excellent communication and interpersonal skills to work effectively with brokers and internal teams.
• Strong attention to detail with excellent numeracy and ability to identify risks at an early stage.
• Able to demonstrate an excellent understanding of: Credit Referencing Agency reports (personal and commercial), KYC/AML/financial crime regulation, Application/Indebtedness scoring, CIFAS/SIRA, Land Registry Reports, RICS Valuations / AVMs, Detailed planning permissions, Commercial, property and contract law.
• Capable and experienced in dealing with a high volume workflow and prioritising accordingly.
• Solid experience working at a specialist lender.

Benefits:

• Competitive salary + company bonus scheme
• 25 days holiday (increasing with the length of service)
• Matched pension contributions up to 4%
• Regular performance reviews to promote a culture of growth and development
• Give as you earn scheme for charitable donations
• Support for attending conferences and professional learning & development
• Cycle to work scheme
• Season ticket loan
• Electric car loan scheme
• Monthly socials & annual offsite

Diversity, Inclusion & Belonging at LendInvest:

At LendInvest, we believe in bringing your whole selves to work. We are committed to a culture of belonging where individuals can form a genuine community. We are proud to be an equal opportunities employer and are committed to building a team that represents a variety of backgrounds, perspectives and skills.