- To work as a senior member of the Bridging Underwriting Team in order to deliver the origination levels required by the Division
- The role specialises in larger, complex transactions (£2.5m+) and requires extensive interaction with key stakeholders including Group Risk, Head of Underwriting, National Sales Manager and members of both Complex Deal Forum and Credit Approval Committee
- Responsibilities include the writing of detailed credit papers for submission to Group following face to face client interviews and\or property site visits – these visits to be UK wide
- To deliver favourable customer outcomes in terms of credit assessment and customer experience
- To analyse and understand credit risks being presented and ensure both Asset Class Policies and Lending Policies are understood and respected across First and Second Lines of Defence
- To embed both the Bank and Division’s Risk Management Framework within all activities within the underwriting teams
- The role holder will be required to exercise a delegated lending authority of up to £2.5m and participate in ad- hoc projects as required
- Coach and support Underwriters in the wider teams, signing off cases outside of their mandates and supporting recommendations into Credit Approval Committee
- Reporting to the Senior Manager – Underwriting and Support, principal interfaces will be with the Group Credit Risk and the Complex Deal Forum
- Strong Bridging & commercial banking/lending experience
- Computer literate (good knowledge of MS Office suite – Excel, Word, Power-Point)
- Knowledge of TCF
- Good knowledge of compliance procedures within the mortgage industry.
- Reading of financial accounts, valuations, business appraisals and credit searches.
- Ability to develop an analytical and pragmatic approach to underwriting
- Adaptable & flexible
- Excellent verbal and written communication skills
- Ability to work on own and as part of a team.
- Excellent planning and organisational skills
- Enthusiastic “can do” attitude
- Able to work under pressure and to tight deadlines
- Professional, well presented
- Establishes effective working relationships at all levels
- Customer-focused approach
- Proactive & Self Driven
Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
- Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
- Free access to Headspace, a mindfulness & meditation digital health app
- Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
- EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
- Cycle to work scheme
- Discounts on gym membership
- Contributory pension scheme & death in service
Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
- Minimum of 27 days holiday per year
- Option to buy or sell holiday days through our flexi-holiday scheme
- Discounts on gym membership nationwide
- Access to discounts on a range of high street and online brands
- Community support and charitable giving
Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
- Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
- Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done
