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For Companies At a Glance
- Tasks: Underwrite bridging, development, and BTL finance applications from start to finish.
- Company: Fast-growing specialist lender focused on property finance solutions.
- Benefits: Competitive salary, career growth, and a dynamic work environment.
- Other info: Opportunity to mentor junior underwriters and develop underwriting processes.
- Why this job: Join a team making impactful lending decisions in the property market.
- Qualifications: Experience in underwriting and strong knowledge of UK property markets.
The predicted salary is between 50000 - 65000 £ per year.
About Us
We’re a fast-growing, specialist lender focused on short-term property finance and development finance solutions. We are soon to be entering the BTL loan market as our business expands. Our mission is to provide fast, flexible, and reliable lending options to property professionals and investors across the UK. Following continued growth and the expansion of our underwriting team, we are now looking to appoint an experienced Real Estate Loan Underwriter to strengthen our credit function.
The Role
As a Real Estate Loan Underwriter, you will take ownership of underwriting bridging, development and BTL finance applications from initial assessment through to completion. You will work closely with the Head of Business and Head of Real Estate Credit to play a key role in lending decisions, risk management, and supporting the development of junior team members. You will need to demonstrate a variety of skills in working with different stakeholders across Operations, Legals, Credit, Sales, Risk and HR functions. The role will require a strong understanding of Credit Risk, Client Onboarding, Underwriting processes and frameworks. This role is suited to an individual who can operate autonomously, handle complex cases, and balance commerciality with credit discipline.
Key Responsibilities
- Independently underwrite unregulated BTL, bridging & development finance loan applications
- Assess borrower profiles, credit history, property security, valuations, and exit strategies
- Follow processes to structure deals in line with lending criteria and risk appetite
- Review legal documentation, valuation reports, and due diligence packs
- Provide lending decisions within delegated authority and escalate cases where required
- Prepare and present lending proposals to Deal / Credit Committees, providing clear risk analysis and recommendations
- Liaise directly with clients, brokers, solicitors, valuers, and internal stakeholders to drive cases to completion
- Identify, assess, and mitigate lending risks
- Support, mentor, and provide guidance to junior underwriters and support staff
- Demonstrate exceptional organisational and administration skills
- Contribute to the ongoing development of underwriting processes and policies
- Ensure compliance with FCA requirements and internal governance standards
- Have a base level understanding of Sharia Finance
What We’re Looking For
- Proven experience underwriting bridging & BTL finance and specialist property lending
- Strong knowledge of UK property markets and short-term lending structures
- Experience with both regulated and unregulated lending
- Confidence presenting cases to Deal or Credit Committees
- Confident assessing complex cases and non-standard transactions
- Excellent attention to detail and strong commercial judgement
- Ability to work independently in a fast-paced environment
- Strong communication skills and broker relationship management experience
- Comfortable working with delegated lending authorities
Desirable
- CeMAP or equivalent qualification
- Experience supporting or mentoring junior underwriters
- Exposure to development finance or heavy refurbishment cases
- Understanding of Bridging underwriting
- Experience with Commercial & Semi Commercial BTL underwriting
- Credit committee presentation experience
Real Estate Loan Underwriter in City of London employer: Sonali Bangladesh UK (SBUK) Limited
Contact Detail:
Sonali Bangladesh UK (SBUK) Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Real Estate Loan Underwriter in City of London
✨Tip Number 1
Network like a pro! Get out there and connect with industry professionals on LinkedIn or at local events. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. Understand their lending processes and be ready to discuss how your experience aligns with their needs. Show them you’re not just another candidate, but the right fit!
✨Tip Number 3
Practice your pitch! Be ready to explain your underwriting experience and how you handle complex cases. Confidence is key, so rehearse your answers to common interview questions until they feel natural.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re genuinely interested in joining our team.
We think you need these skills to ace Real Estate Loan Underwriter in City of London
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Real Estate Loan Underwriter role. Highlight your experience with bridging and BTL finance, and don’t forget to showcase your understanding of credit risk and underwriting processes. We want to see how you fit into our mission!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about property finance and how your skills align with our needs. Be sure to mention any experience you have with mentoring junior team members, as we value that at StudySmarter.
Showcase Your Communication Skills: As an underwriter, you'll be liaising with various stakeholders. Make sure your application reflects your strong communication skills. Whether it's in your CV or cover letter, let us know how you've successfully managed relationships with clients, brokers, and other teams.
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of applications and ensures you get the best experience possible. Plus, it shows you're keen on joining our fast-growing team!
How to prepare for a job interview at Sonali Bangladesh UK (SBUK) Limited
✨Know Your Numbers
Brush up on your understanding of credit risk and the UK property market. Be ready to discuss specific examples from your past experience, especially related to bridging and BTL finance. This will show that you’re not just familiar with the concepts but can apply them in real-world scenarios.
✨Master the Art of Presentation
Since you'll need to present lending proposals to Deal or Credit Committees, practice articulating your thought process clearly and confidently. Use mock presentations to refine your delivery and ensure you can explain complex cases succinctly while highlighting key risks and recommendations.
✨Showcase Your Team Spirit
This role involves liaising with various stakeholders and mentoring junior underwriters. Prepare examples that demonstrate your ability to work collaboratively and support others. Highlight any past experiences where you’ve successfully guided a team or improved processes.
✨Stay Compliant and Informed
Familiarise yourself with FCA requirements and internal governance standards relevant to underwriting. Being able to discuss compliance knowledge will show that you take the role seriously and understand the importance of adhering to regulations in lending.