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For Companies At a Glance
- 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, 25 days holiday, company bonuses, and support for professional development.
- Why this job: Shape the future of property finance in a dynamic team that values your expertise and growth.
- Qualifications: Experience in residential underwriting and strong judgement skills are essential; CeMAP preferred but not required.
- Other info: Join a diverse team committed to inclusion and community, with regular socials and a supportive environment.
The predicted salary is between 28800 - 43200 £ per year.
Overview
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.
About Your Work
As a Bridging & Development Finance Underwriter at LendInvest, you\\\’ll 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.
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
- Monitoring Surveyor reports
- 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 & perks
- 💰 Competitive salary + company bonus scheme
- 🏠 Hybrid working policy
- 🏖️ 25 days holiday (increasing with the length of service)
- 🏥 Private healthcare
- 🍼 Enhanced parental leave
- 💸 Matched pension contributions up to 4%
- 🏥 Critical illness cover
- 🧠 Employee Assistance Programme & Mental Health support
- 🛟 Life assurance
- 📈 Regular performance reviews to promote a culture of growth and development
- 🏆 Leadership training for managers
- 🤝 Give as you earn scheme for charitable donations
- 🎓 Support for attending conferences and professional learning & development
- 🤑 Discounts via Perkbox
- 🚲 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.
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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 the latest trends in property finance and underwriting. Understanding the current market dynamics will not only help you in interviews but also demonstrate your genuine interest in the role at LendInvest.
✨Tip Number 2
Network with professionals in the FinTech and property finance sectors. Engaging with industry experts can provide valuable insights and potentially lead to referrals, increasing your chances of landing the job.
✨Tip Number 3
Prepare to discuss specific examples from your past experience that showcase your ability to assess borrower risk and make confident lending decisions. This will highlight your suitability for the Underwriter role.
✨Tip Number 4
Research LendInvest's company culture and values. Being able to articulate how your personal values align with theirs during the interview can set you apart as a candidate who is not only qualified but also a good cultural fit.
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of an Underwriter at LendInvest. Highlight your experience in credit risk assessment and how it aligns with their needs.
Tailor Your CV: Customise your CV to reflect the skills and experiences that are most relevant to the Underwriter position. Emphasise your attention to detail, judgement skills, and any experience with high-volume workflows.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for property finance and your understanding of Treating Customers Fairly (TCF) principles. Use specific examples from your past work to demonstrate your suitability for the role.
Proofread Your Application: Before submitting, carefully proofread your application materials. Look for any spelling or grammatical errors, and ensure that all information is clear and concise. A polished application reflects your professionalism.
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 assessing borrower risk to making lending decisions. Be prepared to discuss your experience with credit risk assessment and how you've handled similar responsibilities in the past.
✨Showcase Your Attention to Detail
As an underwriter, attention to detail is crucial. During the interview, highlight specific examples where your meticulous nature helped identify risks or improve processes. This will demonstrate your capability to manage high-volume workflows effectively.
✨Familiarise Yourself with TCF and Conduct Risk
LendInvest values Treating Customers Fairly (TCF) and Conduct Risk. Brush up on these concepts and be ready to explain how you’ve applied them in your previous roles. This shows that you align with their commitment to responsible lending.
✨Prepare for Scenario-Based Questions
Expect scenario-based questions that assess your decision-making skills. Think about past situations where you had to make tough lending decisions and be ready to articulate your thought process and the outcomes of those decisions.