Senior Underwriter

The Role

• The role of Senior Underwriter is overseeing the entire bridge/development lending process from application, assessing credit worthiness and the project viability through to drawdown.


• Recommendation to underwrite loans against agreed lending criteria.


• You will be required to be alert to the risks attributed to an application ensuring that both the loan is suitable and fit for purpose.


• Ensuring that the correct and completed documentation has been received.


• Prepare detailed underwriting documentation/credit paper for review by the Directors.


• You will be responsible for all underwriting queries and resolution of issues, recommending appropriate mitigation of risks where possible.


• Support our existing and new client base, whilst liaising with internal departments (legal and finance) and external parties (Surveyors, Quantity Surveyors, Solicitors) to effectively manage the lending process.


• Your role will require you to arrange quotes, and to formally instruct valuations and site inspections.


•  Confirming inspections are booked, and reports are received within agreed timescales, ensuring that you highlight any concerns or issues as you underwrite.


• Maintain and record accurate records to ensure that our borrowers/client information is always up to date and correct including loans underwritten, assessment process and rationale.


• Build and maintain effective relationships with all stakeholders both internal and external ensuring that they are informed as to the loan progress.


• Prepare reports for meetings, and external correspondence.

The Requirements

• At least 5 years of previous underwriting experience, ideally within a bank or another lender.


• Experience of working within Residential, and ideally, the Commercial Property Markets


• You will have excellent communication skills (Written and Verbal) along with the ability to confidently present to internal and external stakeholders.


• Whilst working as part of a small team you will be required to work pro-actively to achieve business objectives and be skilled at capturing and recording important information for underwriting purposes and tracking reports.


• Able to organise, manage your time effectively, whilst prioritising your workload to meet deadlines within a fast-paced environment.


• Proficient use of Excel spreadsheets and Microsoft Office; including PowerPoint.


• Strong customer service skills.


• Potential to grow and lead a team of underwriters.


• We are seeking someone with a high degree of accuracy and attention to detail.

The Benefits

• 25 days annual leave plus bank holidays


• Annual company related bonus (Discretionary)


• Car parking


• 37.5 hours per week (Monday – Friday)


• Hybrid working


• Opportunity for career progression and growth


• Team socials


• Modern offices, just a 10-minute walk from central Liverpool


• Accessible to public transport