We are seeking a Senior Credit Underwriter specializing in Real Estate and Development Finance to join our team in London. In this critical role, you will be responsible for evaluating and analysing complex real estate and development finance transactions, assessing credit risk, and making informed lending decisions.
- Conduct comprehensive financial analysis of real estate and development projects to determine creditworthiness and risk levels
- Evaluate loan applications, financial models, valuations, monitoring surveyor reports, and other relevant documentation to assess borrower's ability to repay
- Perform detailed property and market analysis to determine asset values and potential risks
- Structure loan terms and conditions based on risk assessment and organizational guidelines
- Collaborate with internal teams, including relationship managers and legal counsel, to ensure thorough due diligence
- Operate a delegated lending authority, opining on credit proposals for final decision
- Prepare and present concise credit recommendations to senior management and credit committees
- Monitor existing loan portfolios and conduct periodic reviews to identify potential issues
- Stay current with market trends, regulatory changes, and best practices in real estate finance and credit underwriting
- Bachelor's degree in Finance, Economics, or a related field; MBA or relevant master's degree preferred
- Experience in credit underwriting, with a focus on real estate and development finance
- Advanced skills in financial analysis, risk assessment, and credit modelling
- Proficiency in real estate valuation techniques and loan structuring
- In-depth knowledge of real estate markets and development finance
- Strong understanding of regulatory requirements in lending and real estate finance
- Excellent analytical and decision-making skills with keen attention to detail
- Experience with commercial real estate loans and development projects
- Professional certifications such as CFA or FRM are a plus
- Exceptional written and verbal communication skills
- Ability to work effectively under pressure and meet tight deadlines
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
