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- Tasks: Own the underwriting process for bridging and development finance, making impactful lending decisions.
- Company: Join LendInvest, the UK's leading FinTech platform revolutionising property finance.
- Benefits: Enjoy a competitive salary, hybrid working, 25 days holiday, and private healthcare.
- Other info: Be part of a diverse team committed to growth and community.
- Why this job: Shape the future of property finance while developing your skills in a dynamic team.
- Qualifications: Experience in mortgage underwriting with 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 Senior 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.
- Prepare cases for Credit Committee approval with clear analysis.
- Develop your own underwriting skills and knowledge.
- Act 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.
- Ensure 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.
- Review 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 LendInvest, we believe in bringing your whole selves to work, and 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. We are happy to discuss and implement reasonable adjustments to support candidates throughout the recruitment process.
Senior Underwriter in London employer: LendInvest
Contact Detail:
LendInvest Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Underwriter in London
✨Tip Number 1
Network like a pro! Reach out to your connections in the property finance sector, especially those who work at LendInvest. A friendly chat can sometimes lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit risk assessment and the latest trends in bridging and development finance. We want to see you shine with your expertise!
✨Tip Number 3
Showcase your analytical skills during interviews. Be ready to discuss complex cases you've handled before and how you made confident lending decisions. This is your chance to impress us with your thought process!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in being part of our team at LendInvest.
We think you need these skills to ace Senior Underwriter in London
Some tips for your application 🫡
Show Off Your Experience: When you're writing your application, make sure to highlight your experience in mortgage or property finance underwriting. We want to see how your background aligns with the role, especially your exposure to bridging and development finance.
Be Clear and Concise: Keep your application straightforward and to the point. Use clear language to explain your skills and experiences, especially when discussing complex cases. We appreciate a well-structured application that’s easy to read!
Tailor Your Application: Don’t just send a generic application! Tailor it to LendInvest by mentioning our values and how you can contribute to our mission of making property finance simple. Show us why you’re a great fit for our team!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets to the right people. Plus, it shows us you’re serious about joining our awesome team!
How to prepare for a job interview at LendInvest
✨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 interested in it.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical skills during the interview. Bring examples of complex cases you've assessed in the past and explain your thought process. This will help the interviewers see how you approach problem-solving and decision-making in a high-pressure environment.
✨Communicate Clearly
Since you'll be liaising with brokers and internal teams, practice clear and concise communication. Think about how you can convey complex information simply. You might even want to prepare a few scenarios where you had to explain difficult concepts to non-experts.
✨Be Ready to Discuss Improvements
LendInvest values innovation, so come prepared with ideas on how to improve underwriting processes or operational efficiency. This shows that you're proactive and willing to contribute to the company's growth, which is exactly what they’re looking for in a Senior Underwriter.