At a Glance
- Tasks: Underwrite property finance applications and assess borrower profiles for lending decisions.
- Company: Fast-growing specialist lender focused on innovative property finance solutions.
- Benefits: Competitive salary, career development opportunities, and a dynamic work environment.
- Other info: Opportunity to mentor junior underwriters and contribute to process development.
- Why this job: Join a team making impactful lending decisions in the exciting property finance sector.
- Qualifications: Experience in underwriting bridging and BTL finance with strong communication skills.
The predicted salary is between 50000 - 60000 € 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.
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 Slough 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 that encourages professional growth and collaboration. Our commitment to providing flexible lending solutions is mirrored in our employee culture, where innovation and teamwork are highly valued, and opportunities for mentorship and development abound. Joining us as a Real Estate Loan Underwriter means being part of a forward-thinking team dedicated to excellence in property finance, with the chance to make a meaningful impact in a rapidly expanding market.
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 Slough
✨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 underwriting processes and UK property markets. Be ready to discuss your experience with bridging and BTL finance, as well as how you handle complex cases.
✨Tip Number 3
Showcase your skills! Create a portfolio that highlights your successful underwriting cases and any mentoring you've done. This will demonstrate your expertise and ability to contribute to the team.
✨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 proactive about joining our growing team.
We think you need these skills to ace Real Estate Loan Underwriter in Slough
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 through your CV or cover letter, let us know how you've successfully managed relationships in the past.
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 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 specifics of BTL, bridging, and development finance. Be ready to discuss how you assess borrower profiles and property valuations, as these are crucial in the underwriting process.
✨Showcase Your Experience
Prepare examples from your past roles where you've successfully underwritten complex cases or mentored junior team members. Highlight your experience with both regulated and unregulated lending to demonstrate your versatility.
✨Master the Art of Communication
Since you'll be liaising with various stakeholders, practice articulating your thought process clearly. Be prepared to present a lending proposal and explain your risk analysis confidently, as this will showcase your ability to handle committee presentations.
✨Stay Updated on Market Trends
Familiarise yourself with the latest trends in the UK property market and short-term lending structures. Being knowledgeable about current developments will not only impress your interviewers but also show that you're proactive and engaged in the industry.
