At a Glance
- Tasks: Underwrite property finance applications and assess borrower profiles for lending decisions.
- Company: Fast-growing specialist lender focused on short-term property finance.
- Benefits: Competitive salary, flexible working options, and opportunities for professional growth.
- Other info: Collaborative environment with opportunities to mentor junior team members.
- Why this job: Join a dynamic team and make impactful lending decisions in the property sector.
- Qualifications: Experience in underwriting bridging and BTL finance with strong attention to detail.
The predicted salary is between 50000 - 65000 € per year.
We’re a fast-growing, specialist lender focused on short-term property finance and development finance solutions. 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.
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.
- 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
- Prepare and present lending proposals to Deal / Credit Committees, providing clear risk analysis and recommendations
- Identify, assess, and mitigate lending risks
- Contribute to the ongoing development of underwriting processes and policies
- Have a base level understanding of Sharia Finance
Proven experience underwriting bridging & BTL finance and specialist property lending:
- Strong knowledge of UK property markets and short-term lending structures
- Confidence presenting cases to Deal or Credit Committees
- Excellent attention to detail and strong commercial judgement
- Exposure to development finance or heavy refurbishment cases
- Experience with Commercial & Semi Commercial BTL underwriting
- Credit committee presentation experience
Real Estate Loan Underwriter in London employer: Sonali Bangladesh UK (SBUK) Limited
As a fast-growing specialist lender in the UK, we pride ourselves on fostering a dynamic and supportive work environment for our employees. Our culture emphasises collaboration and professional development, offering ample opportunities for growth within the underwriting team. With a focus on innovation and flexibility, we empower our Real Estate Loan Underwriters to make impactful lending decisions while enjoying the benefits of a rewarding career in a thriving sector.
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 London
✨Tip Number 1
Network like a pro! Reach out to industry professionals on LinkedIn or attend local property finance events. Building connections can lead to job opportunities that aren’t even advertised.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit risk and underwriting processes. We recommend practising common interview questions related to real estate lending to show you’re the right fit.
✨Tip Number 3
Showcase your skills! Create a portfolio that highlights your experience with bridging and BTL finance. This can be a great conversation starter during interviews and helps you stand out from the crowd.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are genuinely interested in joining our team.
We think you need these skills to ace Real Estate Loan Underwriter in 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, BTL finance, and any relevant underwriting skills. We want to see how your background aligns with our needs!
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 can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Attention to Detail:As an underwriter, attention to detail is key. Make sure your application is free from typos and errors. We appreciate candidates who take the time to present their best work right from the start!
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. Plus, it shows you're keen on joining our team!
How to prepare for a job interview at Sonali Bangladesh UK (SBUK) Limited
✨Know Your Stuff
Make sure you brush up on your knowledge of UK property markets and short-term lending structures. Familiarise yourself with the specifics of bridging, development, and BTL finance, as well as any recent trends or changes in the industry. This will show that you're not just interested in the role but are also proactive about understanding the field.
✨Prepare for Case Presentations
Since you'll need to present lending proposals to Deal or Credit Committees, practice how you would articulate your risk analysis and recommendations. Use real-life examples from your experience to demonstrate your thought process and decision-making skills. Confidence is key here!
✨Show Off Your Attention to Detail
In underwriting, every detail counts. Be ready to discuss how you've handled complex cases in the past, focusing on your meticulous approach to reviewing legal documentation and valuation reports. Highlighting your attention to detail can set you apart from other candidates.
✨Engage with Stakeholders
This role requires collaboration with various teams, so be prepared to discuss how you've successfully worked with different stakeholders in previous roles. Share examples of how you’ve balanced commerciality with credit discipline while managing relationships across Operations, Legals, and Risk functions.
