credit underwriter

Tony Alan Recruitment

Senior Credit UnderwriterPermanentBased in NW6, London (office based)Up to £65,000 - £80,000 per annum plus other benefits and bonus Tony Alan Recruitment currently has an exciting job opportunity for a Senior Credit Underwriter to join an established business who are consistently growing based in the North West London area on a permanent basis.This role will be an integral part of the credit underwriting team where you will be joining a growing team with an entrepreneurial, commercial mindset and make-work attitude. You will predominantly cover the unsecured and secured business loan offerings with exposure to the asset finance and property development products.Your duties will include:<ul><li>Assess and analyse credit loan applications for serviceability and affordability in line with the credit underwriting policy</li><li>Conduct second reviews of credit recommendations as part of the four-eye underwriting process</li><li>Accurately report findings from investigations into non-performing loans, providing feedback to the team and senior management</li><li>Play an active role in monthly credit committee meetings, articulating credit views to the wider business and executive committee</li><li>Contribute to process improvements, ensuring continuous evolution through the adoption of advanced technological solutions</li><li>Support day-to-day operations to maintain service level agreements (SLAs)</li></ul>Key requirements:<ul><li>4 years SME lending experience with previous signing mandate required</li><li>Self-motivated, able to work under pressure and driven to succeed</li><li>Strong communication skills both written and oral</li><li>Ability to analyse and dissect information and present results in a logical and understandable format for all stakeholders across the business</li></ul>If you feel that you would be suitable for this position then please apply with your CV.REFER A FRIEND SCHEME: If you refer a candidate to us and they are placed you will be eligible for a cash reward!Due to the high number of CV's we receive we are unable to respond to all applications therefore if you have not heard from us within 10 days please assume you are unsuccessful in this instance.

Senior Credit Underwriter (office based role)

Citi

<div><h2 class="jobSectionHeader">Discover your future at Citi</h2>
Working at Citi is far more than just a job. A career with us means joining a team of more than 230,000 dedicated people from around the globe. At Citi, you&rsquo;ll have the opportunity to grow your career, give back to your community and make a real impact.
<h2 class="jobSectionHeader">Job Overview</h2>
Whether you&rsquo;re at the start of your career or looking to discover your next adventure, your story begins here. At Citi, you&rsquo;ll have the opportunity to expand your skills and make a difference at one of the world&rsquo;s most global banks. We&rsquo;re fully committed to supporting your growth and development from the start with extensive on-the-job training and exposure to senior leaders, as well as more traditional learning. You&rsquo;ll also have the chance to give back and make a positive impact where we live and work through volunteerism.
The Underwriter is a seasoned professional role. Applies in-depth disciplinary knowledge, contributing to the development of new techniques and the improvement of processes and work-flow for the area or function. Integrates subject matter and industry expertise within a defined area. Requires in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate and contribute to the objectives of the function and overall business. Evaluates moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Requires good analytical skills in order to filter, prioritize and validate potentially complex and dynamic material from multiple sources. Strong communication and diplomacy skills are required. Regularly assumes informal/formal leadership role within teams. Involved in coaching and training of new recruits Significant impact in terms of project size, geography, etc. by influencing decisions through advice, counsel and/or facilitating services to others in area of specialization. Work and performance of all teams in the area are directly affected by the performance of the individual. 
In this role, you&rsquo;re expected to:<ul><li>
Develop recommendations to adjust credit policies by analyzing credit and financial performance utilizing statistical scoring, segmentation, regression and simulation techniques</li><li>
Implement initiatives to ensure consistency and compliance with credit policies</li><li>
Utilize SAS in a UNIX environment to perform risk, financial and data analysis including profiling, sampling, reconciliation, and quality testing</li><li>
Prepare risk management presentations for senior management that include analytics on portfolio performance, emerging trends and areas of opportunity</li><li>
Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.</li></ul>
As a successful candidate, you&rsquo;d ideally have the following skills and exposure:<ul><li>
6-9 years relevant experience</li><li>
Previous experience in credit card risk management or equivalent training and experience preferably in the financial services industry</li><li>
Ability to apply credit and risk principles toward business goals</li><li>
Demonstrated ability to synthesize, prioritize and drive results with a high sense of urgency</li><li>
Must be highly organized and able to work in a fast paced environment managing multiple projects and possess effective interpersonal, organizational and analytic skills</li><li>
Extensive knowledge of SAS or SQL programming and literacy with MS Office software required</li></ul> 
Education:<ul><li>
Bachelor&rsquo;s/University degree or equivalent experience</li></ul> 
This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required.
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Job Family Group:
Risk Management
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Job Family:
Credit Risk
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Time Type:
Full time
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Most Relevant Skills
Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law.
If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. 
 
View Citi&rsquo;s EEO Policy Statement and the Know Your Rights poster.</div>

Credit Underwriter – Emerging Corporate - Assistant Vice President

Fintelligent

Are you an experienced Bridging Underwriter looking for a new opportunity? Our client, a boutique specialist lender based in the heart of London, is growing and is seeking a talented applicant to manage unregulated bridging loan applications from start to finish. This is your chance to be part of an exciting journey in a dynamic and fast-paced environment.With a competitive salary of £55,000 - £65,000, this Underwriter role offers you the chance to be part of a growing company in Central London.Our client is a boutique specialist lender located in London, known for its ambition and excellence in service. The company prides itself on providing innovative financial solutions to its clients, with a focus on unregulated bridging loans.As an Underwriter, you will:<ul> <li>Conduct due diligence to support lending outcomes.</li><li>Identify and address fraud, credit risks, and other issues.</li><li>Liaise with borrowers, solicitors, valuers, brokers, and internal teams.</li><li>Review application forms and legal documentation.</li><li>Prepare indicative terms and loan offer letters.</li><li>Manage loan information using Excel and CRM systems.</li><li>Assist in developing a loan management system.</li><li>Monitor industry news and prepare investment committee papers.</li></ul> Package and Benefits:The Underwriter role comes with a comprehensive package:<ul> <li>Annual salary of £55,000 - £65,000.</li><li>25 days paid annual leave plus bank holidays.</li><li>Company pension scheme.</li><li>Smart casual dress code.</li><li>Full-time position with working hours from 09:00 to 17:30, Monday to Friday, based in Central London.</li></ul> About YouThe ideal Underwriter will have:<ul> <li>At least 1 year of experience in a similar role at a bridge lender.</li><li>Ability to manually underwrite without automated systems.</li><li>Knowledge of AML/KYC regulations and loan types.</li><li>Proficiency in Microsoft Office, especially Excel.</li><li>Excellent communication, organisation, and customer service skills.</li><li>Methodical mindset with attention to detail and ability to multitask.</li></ul> If you're interested in securing your next career move as a Bridging Underwriter, this Underwriter position might be the perfect fit for you. The skills and experience required for these roles align closely with the responsibilities of an Underwriter in our client's company.This is a fantastic opportunity for an Underwriter to join a thriving lender in London. If you're ready to take the next step in your career and make a significant impact, we'd love to hear from you. Apply now and be part of a team that's shaping the future of lending.

Underwriter Bridging

Montpellier Resourcing

Up to £65,000 plus excellent bonus and benefits Hybrid working available! Due to exciting growth and expansion, a fantastic opportunity has arisen for an experienced lending Underwriter to join a specialist Property Lending bank in London. Specializing in bridging finance, you will be responsible for responding to requests from brokers and applicants for regulated and unregulated transactions. This role will manage the underwriting and due diligence process from loan application to loan drawdown. For this position, you will have had experience with an individual mandate level, working within bridging finance. Duties of the Bridging Underwriter to include: <ul> <li>Make lending decisions in accordance with Credit Risk Policy and individual mandate thresholds.</li><li>Manage a pipeline of 35-45 Bridging applications, or a volume aligned with team standards, from application to credit approval and drawdown to meet departmental targets.</li><li>Adhere strictly to internal underwriting policy and regulatory requirements, including FCA, PRA, Money Laundering, Prevention of Financial Crime, and Data Protection.</li><li>Collaborate with Sales to progress cases from decision in principle to drawdown.</li><li>Prepare detailed credit papers outlining all relevant conditions and present proposals to the Bridging Credit Committee.</li><li>Review and finalize offer letters.</li><li>Proactively ensure satisfaction of pre-commencement loan conditions and expedite cases to drawdown.</li><li>Ensure accurate and comprehensive data entry into the Bank's electronic systems pre and post drawdown.</li><li>Complete post-completion activities in accordance with Bank policies and processes.</li></ul> Requirements for the successful Bridging Underwriter: <ul> <li>2+ years experience working within Bridging Underwriting</li><li>Demonstrable ability to analyse, negotiate and structure potential bridging loans in accordance with credit policy, and presenting to Credit Committee when required.</li><li>Has previously held a lending mandate</li><li>Previous experience working within both the regulated and unregulated market highly desirable</li><li>Excellent communication and interpersonal skills, building relationships with stakeholders, intermediaries and professionals</li></ul> What's in it for you: <ul> <li>Private Medical Insurance</li><li>26 days holiday</li><li>Hybrid Working offering you the ability to balance your work and home life</li><li>Excellent career development opportunities and sponsorship of relevant qualifications</li><li>And MUCH MORE</li></ul> This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.

Bridging Underwriter - Specialist Lending Group

Nouvo Recruitment (London) Ltd

Title: Bridging Finance UnderwriterLocation: HertfordshireSalary: Competitive + Bonus + BenefitsEmployment Type: Full-Time PermanentStart Date: ASAPDo you have a strong background in bridging finance underwriting and a passion for fast-paced, deal-driven environments? We're looking for an experienced Underwriter to join our growing team and play a key role in assessing and managing short-term property finance applications.The Role:As a Bridging Underwriter, you'll take ownership of new and existing loan applications, ensuring each deal meets our lending criteria, mitigates risk appropriately, and moves smoothly from proposal to completion.Key Responsibilities:<ul><li>Assess bridging loan applications from initial enquiry through to completion</li><li>Review credit reports, valuations, legal documents, and borrower profiles</li><li>Conduct in-depth due diligence on borrowers, assets, and exit strategies</li><li>Liaise with brokers, solicitors, valuers, and internal teams</li><li>Prepare and present credit reports to the credit committee</li><li>Ensure deals are underwritten in line with internal policy and regulatory standards</li><li>Provide support and guidance to junior underwriters (if applicable)</li></ul>What We're Looking For:<ul><li>Proven experience underwriting bridging finance (essential)</li><li>Strong knowledge of the UK property market and lending regulations</li><li>Experience with both regulated and unregulated bridging (preferred)</li><li>Ability to assess risk, structure deals, and make commercial decisions quickly</li><li>Excellent attention to detail, communication, and negotiation skills</li><li>Confident working under pressure and to tight deadlines</li><li>Experience using loan management systems or CRM platforms</li></ul>Due to a very high number of applications we are unable to come back to every candidate with feedback. If you do not hear from us within 48 hours please assume that you have been unsuccessful on this occasion. Your CV will be registered with us and we will keep you updated with any other positions that may be of interest. However please keep checking our website as new roles will be updated daily, Nouvo Recruitment wishes you the best of luck in your job search.Nouvo Recruitment (London) Ltd operate as an independent recruitment agency with over 20 years of experience supporting clients and candidates nationally across the UK.

Bridging Finance Underwriter

KFS Recruitment

UnderwriterBridging FinanceLondonWe are currently working with a fast-growing lender, who are looking for a Bridging Underwriter to join the team.The Sales and Underwriting teams are currently expanding, to ensure the business can grow and continue to deliver exceptional service.Your main responsibility will be to work within the Underwriting team, to ensure effective risk management and seamless drawdown of funds to borrowers.Responsibilities:<ul><li>Liaising with valuers, solicitors, and intermediaries</li><li>Ensuring all files are complete and accurate</li><li>Ensuring all deals comply with the Company's lending criteria</li><li>Completing all credit papers accurately</li><li>Projecting positivity, professionalism, and knowledge across all communications</li><li>Working closely with the whole business to ensure deals progress smoothly and efficiently</li></ul>Key skills / Experience:<ul><li>Analytical and methodical thinking</li><li>Ability to take ownership</li><li>Successful task management, to deliver high quality service</li><li>Previous underwriting experience within Financial Services (Ideally bridging finance)</li><li>Ability to communicate at all levels</li><li>A can-do attitude</li><li>A flexible approach to work</li><li>A confident communicator</li><li>Self-motivation</li></ul>

Bridging Underwriter

Up to £100,000 plus EXCELLENT bonus and benefits Hybrid Working Available! A fantastic opportunity has arisen for an experienced Underwriter to join the Buy to Let department at a leading specialist Property Lending company based in the heart of London. You will be responsible for approving new mortgage applications within the Standard, Professional and portfolio But To Let product offering, and working to add value to the entire BTL process. You will also be repsonsible for managing more junior members of the team. Duties of the Buy to Let Underwriter: <ul> <li>Foster strong partnerships with the BTL Underwriting and Credit teams.</li><li>Provide input and authorize credit decisions within delegated authority to promote responsible portfolio growth in alignment with Credit Policy.</li><li>Assess and underwrite mortgage applications with higher risk profiles.</li><li>Make lending decisions in accordance with the Credit Risk Policy, Responsible Lending Policy, and individual mandate limits.</li><li>Act as an escalation point for team members, offering guidance, coaching, and training where necessary.</li><li>Take a holistic approach to applications, considering overall customer needs and outcomes.</li><li>Oversee new applications, correspondence, and pre-submission queries while meeting service level agreements.</li><li>Proactively manage a pipeline of applications from submission through to completion.</li><li>Collaborate with a pre-approved panel of Introducers to ensure swift, accurate, and consistent underwriting outcomes.</li><li>Adhere to internal guidelines and regulatory frameworks, including FCA, PRA, AML, Financial Crime Prevention, and Data Protection standards.</li><li>Take on project responsibilities and complete ad-hoc tasks as directed by management.</li></ul> Requirements for the successful Buy to Let Underwriter: <ul> <li>Minimum of 5 years' experience within underwriting and / or credit exposure within the BTL / Portfolio BTL market</li><li>Candidates will currently be holding a non-entry level lending mandate</li><li>Candidates must have managerial experience</li><li>Experience liaising with Introducers and external customers</li><li>CeMAP Qualified highly desirable</li><li>Understanding and experience of the regulatory environment</li></ul> This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.

Senior Buy to Let Underwriter

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