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- Tasks: Review and underwrite finance applications, conduct risk assessments, and liaise with various stakeholders.
- Company: Fast-growing team on the beautiful South Coast, offering a vibrant work culture.
- Benefits: Up to £50,000 salary, 25 days leave, health perks, and fun team events.
- Why this job: Kickstart your career in bridging underwriting with hands-on experience and growth opportunities.
- Qualifications: 2 years' underwriting experience and strong communication skills required.
- Other info: Enjoy a dynamic office environment with free paddleboard hire and social events.
The predicted salary is between 40000 - 50000 £ per year.
Location: South Coast
Salary: Up to £50,000 per annum (depending on experience)
Hours: Monday to Friday, 9 am to 5:30 pm
Benefits:
- 25 days annual leave, plus bank holidays; increasing by 1 day per year worked, up to a maximum of 30 days
- Option to buy/sell up to 3 days' holiday
- Death in Service at 4 x salary (from day one of employment)
- 5-year, 10-year and 15-year excellent service awards
- Car parking (limited onsite or, if offsite, cost of parking refunded)
- Employee Assistance Programme
- Active charity support (non-mandatory)
- Monthly mindfulness sessions
- Complimentary Christmas/summer parties/Team evenings and social events
- Company BBQs on HQ sun terrace
- Daily fruit bowl, healthy snacks, and coffee machine/tea
- Paddleboards for free hire/Office table tennis
- Workplace pension scheme
About the Role:
Looking to break into bridging underwriting? This is your chance. Join a fast-growing team based in the south coast and learn bridging and refurbishment lending on the job, even if your background is in detailed credit underwriting. This is an office-based role with the option to work one day from home per week after probation. Ideally, you'll have around 2 years' underwriting experience, strong commercial awareness, and excellent communication skills.
Responsibilities:
- Review and underwrite bridging and refurbishment finance applications from initial enquiry through to completion.
- Conduct full risk assessments, including borrower background checks, asset analysis, exit strategy, credit history, and AML compliance.
- Analyse and assess valuation reports, contractor quotes, cost schedules, and development appraisals to ensure project viability.
- Liaise with solicitors, brokers, valuers, borrowers, and internal teams to progress applications efficiently and accurately.
- Work closely with surveyors and asset managers to assess the feasibility of refurbishment projects and monitor works.
- Identify, assess, and mitigate risks relating to borrowers, property, legal, or market exposure.
- Present complex cases with clarity to credit or risk committees, making lending recommendations within delegated authority.
- Ensure adherence to internal policies, underwriting standards, and AML requirements.
- Maintain accurate and timely records within internal systems, ensuring effective audit trails.
- Support continuous improvement by providing feedback on lending criteria, operational processes, and risk management.
Experience required:
Candidates should have a minimum of 2 years' experience underwriting credit or lending-related products, with a strong understanding of AML, KYC, and due diligence practices. You will need solid commercial acumen to assess deals beyond standard 'tick-box' underwriting and be proficient in interpreting financial statements, credit reports, and legal documentation. We can also consider Case Managers from the specialist BTL or bridging sectors who have a good grasp of valuation reports and exit strategies.
For more information regarding the role, please contact us. Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.
Underwriter employer: Stellar Select Limited
Contact Detail:
Stellar Select Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. 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 the role. Understand their values and how you can contribute. Practise common interview questions and think of examples from your experience that showcase your skills.
✨Tip Number 3
Follow up after interviews! A quick thank-you email can leave a lasting impression. It shows your enthusiasm for the role and keeps you fresh in their minds as they make their decision.
✨Tip Number 4
Don’t forget to apply through our website! We’ve got loads of opportunities, and applying directly can sometimes give you an edge. Plus, it’s super easy to keep track of your applications!
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your underwriting experience and any relevant skills that match the job description. We want to see how your background fits with what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about bridging underwriting and how your experience aligns with our needs. Keep it concise but engaging – we love a good story!
Showcase Your Skills: Don’t forget to showcase your commercial awareness and communication skills in your application. We’re looking for someone who can present complex cases clearly, so give us examples of how you’ve done this in the past.
Apply Through Our Website: We encourage you to apply through our website for the best chance of success. It’s super easy, and you’ll be able to keep track of your application status. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Stellar Select Limited
✨Know Your Numbers
As an Underwriter, you'll be dealing with financial statements and credit reports. Brush up on your numerical skills and be ready to discuss how you interpret these documents. Practising some common financial scenarios can help you feel more confident during the interview.
✨Understand the Market
Familiarise yourself with current trends in bridging and refurbishment lending. Being able to discuss recent developments or challenges in the market will show that you have strong commercial awareness, which is crucial for this role.
✨Prepare for Risk Assessment Questions
Expect questions about risk assessment and how you would approach evaluating a loan application. Think of examples from your past experience where you identified and mitigated risks, and be ready to explain your thought process clearly.
✨Showcase Your Communication Skills
Since the role involves liaising with various stakeholders, demonstrate your excellent communication skills. Prepare to discuss how you've effectively communicated complex information in previous roles, and consider practising with a friend to refine your delivery.