Senior Underwriter | London (Hybrid) | Competitive Salary + Discretionary Bonus
Shape the credit and underwriting function of an entrepreneurial lender that wants to do things differently.
About the Company
Our client is an early-stage, entrepreneurial specialist lender, providing asset-backed secured finance within the bridging market, including some distinctive products such as rental income-based lending. With a culture that embraces fresh thinking and a willingness to do things differently from traditional industry approaches, they have ambitious growth plans and are now making a key hire to build out the team.
About the Role
This is a Senior Underwriter role with a broader scope than traditional underwriting. Alongside full underwriting, you will bring a strong credit element and a business and commercial lens to every deal, and get involved in the operational side of the business, such as speaking with new technology and data vendors. Reporting directly to the CEO, you will take part in collaborative conversations about how deals are approached, rather than simply following a set process, with the potential to build and lead a junior underwriter in the future. An early December start would be ideal.
Key Responsibilities
- Carry out full underwriting on secured lending cases
- Assess credit risk through a business and commercial lens, balancing risk and opportunity
- Contribute to collaborative discussions on how deals are approached and structured
- Help shape credit policy, processes and ways of working as the business grows
- Work closely with the CEO on business direction and innovative approaches
- Get involved in operational improvements, including calls with new technology and data vendors
- Engage with funders and investors as the business develops
- Collaborate with sales and business development as the team grows
- Support the future build-out of the team, including mentoring a junior underwriter
Package
- Discretionary bonus
- Private healthcare plan and pension contribution
- Hybrid working, with in-person collaboration with the team valued
- Direct access to the CEO and real influence over how the business is built
Skills & Experience
- Senior underwriting experience in secured or specialist lending, with bridging experience relevant but not essential
- Strong credit skills and technical underwriting ability, with sound risk judgement
- Commercial acumen, able to think beyond a step-by-step process
- Entrepreneurial and comfortable in a start-up environment where processes are still evolving
- Collaborative, open-minded and happy to get involved in operational tasks
- Enthusiasm for challenging conventional practices; backgrounds such as family offices are welcomed
Why Apply?
This is a chance to join at a formative stage, with real influence over how credit and underwriting are done, direct access to the CEO and exposure across underwriting, credit operations and the wider business. It is a small, entrepreneurial team that values personality and fresh thinking, with the potential to build and lead a team as the business grows.
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