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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 competitive salary, hybrid working, 25 days holiday, and private healthcare.
- Other info: Be part of a diverse culture that values community and personal growth.
- Why this job: Shape the future of property finance while collaborating with a dynamic team.
- Qualifications: Experience in mortgage underwriting and strong analytical skills are essential.
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'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.
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:
- 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, 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 employer: LendInvest
Contact Detail:
LendInvest Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect with current LendInvest employees on LinkedIn. Building relationships can open doors that applications alone can't.
✨Tip Number 2
Prepare for interviews by researching LendInvest's culture and values. Be ready to discuss how your experience aligns with their mission of making property finance simple and effective.
✨Tip Number 3
Showcase your expertise during interviews. Bring examples of your past underwriting decisions and how they positively impacted your previous employers. This will demonstrate your ability to own the 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 the LendInvest team.
We think you need these skills to ace Senior Underwriter
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, making it easy for us to see why you’re a great fit for the Senior Underwriter position.
Tailor Your Application: Don’t just send a generic application! Tailor it to reflect the specific responsibilities and requirements mentioned in the job description. Show us that you understand what we’re looking for and how you can contribute to our team.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy to do!
How to prepare for a job interview at LendInvest
✨Know Your Stuff
Make sure you brush up on your knowledge of credit risk assessment, valuations, and legal due diligence. LendInvest is looking for someone who can confidently assess complex cases, so be prepared to discuss your experience with bridging and development finance in detail.
✨Showcase Your Analytical Skills
During the interview, highlight your strong analytical skills by discussing specific examples where you've made confident lending decisions. Be ready to explain how you identify risks early and how your attention to detail has positively impacted your previous roles.
✨Communicate Effectively
LendInvest values excellent communication, so practice articulating your thoughts clearly. Prepare to discuss how you've successfully liaised with brokers and internal teams in the past, ensuring smooth communication and exceptional client outcomes.
✨Emphasise Collaboration
As a Senior Underwriter, you'll be part of a collaborative team. Share examples of how you've worked closely with others to achieve common goals. Highlight any mentorship experiences you've had, as LendInvest appreciates candidates who can guide junior colleagues.