Senior Underwriter - Bridging & BTL

My challenger banking client is hiring for 2 x Underwriters (1 x Senior) to join their busy 2 LoD team.

Overview:

Sanctioner within the 2nd Line of Defence Credit Risk function, responsible for sanctioning credit proposals within their delegated authority and providing sanctioning support and cover within the Credit Risk team.

Typical facilities range between £1m - £35m. The role holder will analyse new and existing propositions across real estate bridging and investment sectors, make well balanced decisions, and where required, provide suitable recommendations to senior management and/or the Credit Committee. They will operate confidently within a personal lending mandate.

The role holder will also be involved in the review and monitoring of credit risk at portfolio level, the review and analysis of credit risk data and where required assisting in the review and development of credit risk management frameworks, including credit policies. The role holder will have responsibility for supporting the Head of Real Estate and Sector Head in delivery of sector Portfolio Reviews and any deep dive investigations as and when required and will support the Head of Real Estate & Sector Head in Lending Decision Assurance activity.

Responsibilities:

• Act as a sounding board to the Bridging & Specialist Mortgages business units in respect of transactions in process.
• Operate a personal delegated lending authority in accordance with the Bank’s Credit Risk Management Framework and Credit Risk Policies ensuring compliance and mitigating risk effectively.
• Prepare and present comprehensive credit risk assessment reports and actionable recommendations to the Transactional Credit Committee.
• Support the development of an appropriate risk culture within the business.
• Contribute to the ongoing development and review of credit risk policies to maintain a coherent framework for the management and oversight of credit risk, as well as supporting improvements and operational efficiencies to the credit risk framework and sanctioning processes.
• Assist the Sector Head of SM & Bridging Finance in the review, monitoring and reporting of credit risk profiles at a counterparty and portfolio level.

Skills & Experience:

• Recent lending experience in credit risk underwriting and sanctioning roles (Min 2 years) with an emphasis on Specialist mortgages including Buy to Let, HMO and Real Estate Bridging Finance. Some PBSA finance experience would also be useful but not essential.
• Good knowledge of financial, business, economic, and property markets, coupled with a strong awareness of the regulatory framework, enabling informed decision-making.
• Strong analytical skills with a good working knowledge of risk grading systems and processes.
• Preferably educated to degree standard.
• A team player willing to go beyond the norm to deliver exemplary standards.

Competencies and Attributes

• Attention to detail and accuracy
• Problem solving
• Proven analytical ability
• Strong insight and ability to distil complex information into clear, concise summaries, facilitating informed decision-making at all levels
• Planning and organising skills
• Proven influencing and communication skills
• Evidence of balanced and independent judgement

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