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- Tasks: Evaluate business loan applications and assess financial risks while providing excellent customer service.
- Company: Join a growing team at The Real Estate Bd dot net with a fast-paced culture.
- Benefits: Regular training, competitive salary, and a prime location near Windsor & Eton Riverside station.
- Why this job: Kickstart your finance career in a dynamic environment with real impact on clients' futures.
- Qualifications: Strong communication skills and proficiency in data analysis tools are essential.
- Other info: Entry-level position with full-time hours, Monday to Friday, and great career growth opportunities.
The predicted salary is between 28800 - 43200 £ per year.
Join to apply for the Underwriter role at The Real Estate Bd dot net
4 days ago Be among the first 25 applicants
Our Client is a small but growing team, with a fast‑paced workplace culture. They offer fantastic opportunities for you to build on your career due to continued growth. Offering regular training and offices based within a 1‑minute walk from Windsor & Eton Riverside train station, this is an amazing opportunity for anyone wanting to get into finance and further their career!
Office hours are Monday to Friday 9 am to 5:30 pm.
Your responsibilities are to play a key role in evaluating the financial status of business loan applicants for both new and existing customers, determining the risk of lending to them, and making recommendations based on findings. This includes liaising with the risk department if there are any possible uncertainties or if any second opinions are needed during the underwriting process, as well as liaising with the credit control team to discuss their previous repayment history if/when necessary.
Key Responsibilities
- Evaluate creditworthiness and risks of business loan applications by analysing financial data including income, business bank statements, HMRC overviews & contractual agreements that can guarantee work.
- Utilise financial and credit data, market trends, and industry data to assess risk and make an informed lending decision to pass onto the risk team.
- Contact the applicant to discuss findings during the underwriting process and address queries raised. Be able to effectively extract the necessary information from the client.
- Maintain an understanding of and comply with all relevant lending regulations, including those from financial regulatory bodies and internal lending policies.
- Prepare and present loan recommendations to the risk committee, detailing applicants\’ credit histories, financial strengths/weaknesses and other relevant factors.
- Collaborate with Business Development Managers as well as applicants to obtain necessary information and resolve any issues with applications.
- Collaborate with the Credit Control Team, to discuss the client\’s repayment history, if they are have had previous loans.
- Provide excellent customer service by promptly responding to questions and concerns from loan applicants, explaining the underwriting process, and communicating decisions effectively.
- Continually update knowledge of company\’s loan products and underwriting standards.
- Determine payment plans for clients who are in financial difficulty, based on the affordability of the business.
- Conduct online investigations for all paying and non‑paying clients, to mitigate and prevent any risk whilst they have a loan open with us and keep a record of any findings.
- Offer further funding to existing customers who have had good repayment history, ensuring that they meet our criteria.
Required Qualifications
- Excellent communication skills
- Proficiency in CRM systems and data analysis tools
- Excellent organisational skills and meticulous attention to detail
- Excellent spoken and written communication skills
- Fluent in English
Seniority level
- Entry level
Employment type
- Full‑time
Job function
- Finance and Sales
Industries
- Insurance
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Underwriter employer: The Real Estate Bd dot net
Contact Detail:
The Real Estate Bd dot net 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 finance industry, especially those who work as underwriters. A friendly chat can lead to insider info about job openings and even referrals.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of underwriting processes and financial regulations. We recommend practising common interview questions with a friend to boost your confidence.
✨Tip Number 3
Showcase your analytical skills! During interviews, be ready to discuss how you would evaluate creditworthiness and assess risks. Use real-life examples to demonstrate your thought process.
✨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 their job search!
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 any relevant experience in finance, data analysis, or customer service. We want to see how your skills match 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 the role and how you can contribute to our growing team. Keep it concise but engaging – we love a good story!
Show Off Your Communication Skills: Since excellent communication is key for this role, make sure your application reflects that. Use clear language and check for any typos or errors. We appreciate attention to detail, so let’s see it in action!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the easiest way for us to receive your application and ensures you’re considered for the role. Plus, it shows you’re keen on joining our team!
How to prepare for a job interview at The Real Estate Bd dot net
✨Know Your Numbers
As an Underwriter, you'll be dealing with financial data all the time. Brush up on your understanding of income statements, bank statements, and HMRC overviews. Being able to discuss these confidently will show that you're ready for the role.
✨Understand the Risk
Familiarise yourself with common risks associated with lending. Research market trends and industry data relevant to the company. This knowledge will help you make informed decisions and demonstrate your analytical skills during the interview.
✨Practice Your Communication Skills
Since excellent communication is key in this role, practice explaining complex financial concepts in simple terms. You might be asked to present a loan recommendation, so being clear and concise will set you apart from other candidates.
✨Show Enthusiasm for Learning
The company values growth and training, so express your eagerness to learn and develop your skills. Share examples of how you've taken initiative in the past to improve your knowledge or performance, especially in finance-related areas.
