At a Glance
- Tasks: Own the underwriting process for bridging and development finance, making impactful lending decisions.
- Company: Join LendInvest, the UK's leading FinTech platform for property finance with a fun, innovative culture.
- Benefits: Competitive salary, bonus scheme, 25 days holiday, and support for professional development.
- Other info: Be part of a diverse team committed to growth, inclusion, and community.
- Why this job: Shape the future of property finance while working in a collaborative, fast-paced environment.
- Qualifications: Experience in mortgage or property finance underwriting, strong analytical and communication skills.
The predicted salary is between 60000 - 80000 £ per year.
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:
- Essential: 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 LI 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.
Senior Underwriter employer: LendInvest (LSE: LINV)
LendInvest is an exceptional employer, offering a vibrant workplace culture that encourages innovation, collaboration, and personal growth. With competitive salaries, generous holiday allowances, and a commitment to professional development, employees are empowered to thrive in their roles while contributing to the company's mission of simplifying property finance. Located in the heart of the UK’s FinTech scene, LendInvest provides unique opportunities for career advancement and community engagement, making it an ideal place for those seeking meaningful and rewarding employment.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Underwriter
✨Tip Number 1
Network like a pro! Reach out to current employees at LendInvest on LinkedIn or through mutual connections. A friendly chat can give you insider info and might just get your foot in the door.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of bridging and development finance. Be ready to discuss specific cases you've worked on and how you made lending decisions—show them you're the expert they need!
✨Tip Number 3
Don’t forget to showcase your soft skills! LendInvest values strong communication and relationship-building, so be sure to highlight your ability to work collaboratively with brokers and internal teams during your discussions.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in being part of the LendInvest team.
We think you need these skills to ace Senior Underwriter
Some tips for your application 🫡
Show Off Your Experience:Make sure to highlight your experience as a mortgage or property finance underwriter. We want to see how your background aligns with the role, especially in bridging and development finance. Use specific examples to demonstrate your skills!
Be Clear and Concise:When writing your application, keep it clear and to the point. We appreciate straightforward communication, so avoid jargon and make your points easy to understand. This will help us see your thought process and analytical skills.
Tailor Your Application:Don’t just send a generic application! Tailor it to LendInvest and the Senior Underwriter role. Mention our values and how you can contribute to our mission of making property finance simple for everyone. Show us you’ve done your homework!
Apply Through Our Website:We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you don’t miss out on any important updates. Plus, it’s super easy to do!
How to prepare for a job interview at LendInvest (LSE: LINV)
✨Know Your Stuff
Make sure you brush up on your knowledge of bridging and development finance. Understand the key aspects of credit risk assessment, valuations, and legal due diligence. Being able to discuss these topics confidently will show that you're not just familiar with the role but genuinely passionate about it.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical skills during the interview. You might be asked to assess a complex case or provide insights on a hypothetical scenario. Practise breaking down cases and articulating your thought process clearly, as this will highlight your ability to make confident lending decisions.
✨Engage with the Team Spirit
LendInvest values collaboration, so be ready to discuss how you've worked effectively in teams before. Share examples of how you've liaised with brokers or internal teams to achieve exceptional client outcomes. This will show that you can thrive in their fast-paced environment and contribute positively to the team culture.
✨Ask Thoughtful Questions
Prepare some insightful questions to ask at the end of your interview. Inquire about the company's plans for growth or how they approach improving underwriting processes. This not only shows your interest in the role but also demonstrates that you're thinking strategically about how you can contribute to their success.
