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- Tasks: Assess and recommend lending proposals while ensuring sound credit decisions.
- Company: Fast-growing UK bank with a commitment to risk management and customer service.
- Benefits: Competitive salary, professional development, and a dynamic work environment.
- Other info: Opportunity for career growth and collaboration with senior credit leaders.
- Why this job: Join a key role in shaping the bank's lending strategy and making impactful decisions.
- Qualifications: Experience in commercial real estate underwriting and strong analytical skills.
The predicted salary is between 50000 - 60000 £ per year.
An established, fast-growing UK bank is expanding its lending portfolio and is seeking an experienced Underwriter to join its SME Lending team. The organisation supports a broad range of retail, SME and Banking-as-a-Service clients, and is committed to maintaining a strong financial crime and risk management framework as it scales. As part of this growth, the bank is enhancing its personal and business banking offering, and continues to invest heavily in robust credit practices.
About the Role
This role plays a key part in assessing, structuring and recommending lending proposals, ensuring sound credit decisions and high-quality service for customers and internal stakeholders. You will analyse counterparties, ensure serviceability, assess collateral and support the delivery of a prudent and commercially minded lending strategy. You will work across a variety of asset classes, including:
- Trading businesses secured against owner-occupied commercial properties
- Commercial property investment
Key Responsibilities
- Support the delivery of the bank’s credit strategy in line with risk appetite, policy frameworks and governance requirements.
- Help maintain high standards of professionalism, integrity and conduct across the underwriting function.
- Uphold robust lending standards consistent with industry expectations.
- Ensure strong customer outcomes through quality credit assessment and decision-making.
- Coach, mentor and support colleagues within the underwriting team.
- Work closely with frontline teams to balance commercial objectives with appropriate risk management.
- Prepare high-quality underwriting papers, both within delegated authority and for escalation to Credit Committee.
- Present and defend cases at Credit Committee when required.
- Monitor portfolio performance, including early warning indicators, in-life events and signs of deterioration.
- Set and oversee covenants and ongoing conditions on new and existing facilities.
- Collaborate with senior credit leaders and stakeholders to refine portfolio oversight processes.
- Conduct periodic reviews and annual assessments of existing exposures.
Skills & Experience
- Proven experience as an underwriter within Commercial Real Estate (essential).
- Background in banking or financial services (desirable).
- Strong analytical skills, including comfortable use of data visualisation or analytical tools.
- Experience drafting policies, reports or formal credit documentation.
- Excellent stakeholder management and communication skills.
Seniority level: Mid-Senior level
Employment type: Full-time
Job function: Finance, Banking
Underwriter in England employer: Morson Edge (Technology)
Contact Detail:
Morson Edge (Technology) Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter in England
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and finance sector, especially those who work in underwriting. A friendly chat can lead to insider info about job openings or even a referral.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills and understanding of credit strategies. Be ready to discuss how you’ve successfully assessed lending proposals in the past—real examples will make you stand out!
✨Tip Number 3
Don’t just apply anywhere; focus on companies that align with your values and career goals. Check out our website for openings at Morson Edge and tailor your approach to show why you’re a perfect fit for their SME Lending team.
✨Tip Number 4
Follow up after interviews! A quick thank-you email can keep you top of mind and show your enthusiasm for the role. Plus, it’s a great chance to reiterate why you’d be an asset to their underwriting team.
We think you need these skills to ace Underwriter in England
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in commercial real estate and any relevant skills that match the job description. We want to see how you fit into our SME Lending team!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about underwriting and how your background aligns with our bank's credit strategy. Keep it concise but impactful, and let your personality show!
Showcase Your Analytical Skills: Since strong analytical skills are key for this role, make sure to mention any tools or methods you’ve used in past positions. We love seeing how you’ve tackled complex data and made sound credit decisions!
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 shows you’re keen on joining our team!
How to prepare for a job interview at Morson Edge (Technology)
✨Know Your Numbers
As an Underwriter, you'll need to demonstrate your analytical skills. Brush up on key financial metrics and be ready to discuss how you assess risk and make lending decisions. Use specific examples from your past experience to showcase your expertise.
✨Understand the Role
Make sure you fully grasp the responsibilities outlined in the job description. Familiarise yourself with the bank's credit strategy and be prepared to discuss how you can contribute to maintaining high standards of professionalism and integrity within the underwriting function.
✨Prepare for Scenario Questions
Expect to face scenario-based questions during your interview. Think about how you would handle various lending proposals or risk assessments. Practising these scenarios will help you articulate your thought process and decision-making skills effectively.
✨Showcase Your Stakeholder Management Skills
Communication is key in this role. Be ready to discuss how you've successfully collaborated with colleagues and stakeholders in the past. Highlight any experiences where you balanced commercial objectives with risk management to demonstrate your ability to navigate complex situations.