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- Tasks: Assess and approve mortgage loan applications, ensuring efficient and risk-conscious underwriting.
- Company: LendInvest is the UK's leading FinTech platform for property finance, with a fun and innovative culture.
- Benefits: Enjoy hybrid working, competitive salary, 25 days holiday, and a supportive environment for growth.
- Why this job: Shape the future of property finance in a dynamic role with a collaborative team.
- Qualifications: Experience in residential underwriting, strong judgement, and attention to detail are essential.
- Other info: Join a diverse team committed to inclusion and community.
The predicted salary is between 36000 - 60000 £ 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 Residential Underwriter at LendInvest, you will play a key role in assessing and approving mortgage loan applications from enquiry to completion. 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 with brokers, solicitors, valuers, and case managers to deliver exceptional service.
What You’ll Be Doing
- Own the underwriting process from start to finish, ensuring an efficient and risk-conscious approach.
- Assess borrower risk, including income verification, valuations, and legal aspects.
- Engage with brokers and borrowers, providing clear and prompt decisions.
- Work closely with solicitors, valuers, and case managers to ensure smooth transactions.
- Make confident lending decisions, backed by clear rationale and aligned with our policies.
- Support and mentor case managers, helping develop their skills and knowledge.
- Contribute to efficiency improvements that maintain strong risk management while streamlining processes.
What We’re Looking For
- A confident and resilient underwriter who can build strong relationships with stakeholders.
- Sound judgement and attention to detail, with the ability to spot risks early.
- Experience handling high-volume workflows, with strong prioritisation skills.
- A deep understanding of Treating Customers Fairly (TCF), Conduct Risk, and Consumer Duty.
- Strong technical knowledge of credit referencing, anti-fraud systems, and land registry documents.
- Substantial residential underwriting experience, ideally within specialist lending.
- CeMAP qualification (preferred but not essential).
If you’re looking for a dynamic, high-impact role where your expertise will shape the future of property finance, we’d love to hear from you!
Why Join Us?
We believe in rewarding hard work and fostering a supportive environment. Here’s a glimpse of what we offer:
- Competitive salary + company bonus scheme
- Hybrid working policy (3 days in the office)
- 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.
Underwriter employer: LendInvest (LSE: LINV)
Contact Detail:
LendInvest (LSE: LINV) Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter
✨Tip Number 1
Familiarise yourself with LendInvest's values and culture. Understanding their focus on collaboration and innovation will help you align your approach during interviews, showcasing how you can contribute to their dynamic environment.
✨Tip Number 2
Network with current or former employees of LendInvest. Engaging with them on platforms like LinkedIn can provide you with insider insights about the company and its expectations, which can be invaluable during your application process.
✨Tip Number 3
Brush up on your knowledge of Treating Customers Fairly (TCF) and Conduct Risk. Being able to discuss these topics confidently in an interview will demonstrate your understanding of the regulatory landscape and your commitment to responsible lending.
✨Tip Number 4
Prepare examples from your past experience that highlight your ability to make strategic lending decisions. Use the STAR method (Situation, Task, Action, Result) to structure your responses, ensuring you clearly convey your thought process and outcomes.
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in underwriting and property finance. Use specific examples that demonstrate your skills in credit risk assessment and decision-making.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of LendInvest's mission and values. Explain why you are passionate about the role and how your background aligns with their needs.
Highlight Relevant Qualifications: If you have a CeMAP qualification or any other relevant certifications, be sure to mention them prominently. This can set you apart from other candidates.
Showcase Soft Skills: In your application, emphasise your ability to build relationships and work collaboratively. Mention any experience mentoring others, as this is valued in the role.
How to prepare for a job interview at LendInvest (LSE: LINV)
✨Understand the Underwriting Process
Make sure you have a solid grasp of the entire underwriting process from start to finish. Be prepared to discuss how you assess borrower risk, including income verification and valuations, as this will demonstrate your expertise in the field.
✨Showcase Your Relationship-Building Skills
LendInvest values strong relationships with stakeholders. Be ready to share examples of how you've successfully engaged with brokers and borrowers in the past, highlighting your communication skills and ability to make prompt decisions.
✨Demonstrate Attention to Detail
Attention to detail is crucial in underwriting. Prepare to discuss specific instances where your keen eye for detail helped you spot risks early or improve processes, showcasing your sound judgement and thoroughness.
✨Familiarise Yourself with Relevant Regulations
Understanding Treating Customers Fairly (TCF), Conduct Risk, and Consumer Duty is essential for this role. Brush up on these concepts and be ready to explain how they influence your decision-making process in underwriting.