loan underwriter

Nouvo Recruitment (London) Ltd

<p><strong>Title: </strong>Bridging Finance Underwriter</p><p><strong>Location:</strong> Hertfordshire</p><p><strong>Salary:</strong> Competitive + Bonus + Benefits</p><p><strong>Employment Type:</strong> Full-Time Permanent</p><p><strong>Start Date:</strong> ASAP</p><p>Do you have a strong background in <strong>bridging finance underwriting</strong> and a passion for fast-paced, deal-driven environments? We're looking for an experienced <strong>Underwriter</strong> to join our growing team and play a key role in assessing and managing short-term property finance applications.</p><p><strong>The Role:</strong></p><p>As a <strong>Bridging Underwriter</strong>, 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.</p><p><strong>Key Responsibilities:</strong></p><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><p><strong>What We're Looking For:</strong></p><ul><li><strong>Proven experience underwriting bridging finance</strong> (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><p><em>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.</em></p><p>Nouvo Recruitment (London) Ltd operate as an independent recruitment agency with over 20 years of experience supporting clients and candidates nationally across the UK.</p>

Bridging Finance Underwriter

Stellar Select Limited

<p><strong>Job Title:</strong> Mortgage Underwriter - Buy to Let</p> <p><strong>Location:</strong> Hertfordshire</p> <p><strong>Salary:</strong> Based on experience</p> <p><strong>Hours:</strong> Monday to Friday 9 am to 5.30 pm</p> <p><strong>About the position of Mortgage Underwriter - Buy to Let:</strong></p> <p>Ideally, you'll have worked with a specialist lender, but we also welcome applications from underwriters with strong Buy-to-Let experience at high street banks.</p> <p>This role offers an exciting chance to develop your expertise in complex mortgages within a fast-growing, forward-thinking business. You'll be responsible for underwriting and assessing BTL mortgage applications, managing broker relationships, and working closely with credit committees.</p> <p>If you have a proven track record in BTL underwriting and are ready to take the next step in your career, this is an excellent opportunity to join a successful lender with ambitious growth plans.</p> <p><strong>Responsibilities for the role of Mortgage Underwriter - Buy to Let:</strong></p> <ul> <li>Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns.</li><li>Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for.</li><li>Proactively manage a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained.</li><li>Recommending and referring cases to Credit Committee where credit committee approval required.</li><li>Liaising with introducers, valuers and solicitors.</li><li>Overseeing cases from inception through to completion.</li></ul> <p><strong>Experience and skills required for the role of Mortgage Underwriter - Buy to Let:</strong></p> <ul> <li>Mandated underwriting experience, specifically within Buy-to-Let mortgages</li><li>Proven ability to assess loan documentation and valuation reports, identifying and flagging any concerns</li><li>Strong track record of carrying out thorough checks on applicants and properties to determine loan suitability</li><li>Experience managing a mortgage application pipeline, proactively chasing missing information and providing timely updates to introducers</li><li>Confident in recommending and referring cases to Credit Committee for approval when required</li><li>Skilled in liaising with introducers, valuers, and solicitors to ensure smooth case progression</li><li>Demonstrated ability to manage cases from inception through to completion</li></ul> <p>For more information regarding the role of <strong>Mortgage Underwriter - Buy to Let </strong>please contact us</p> <p><strong>Stellar Select is acting as an employment agency and is a corporate member of the REC.</strong></p> <p><strong>Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.</strong></p>

Mortgage Underwriter

Gesa Credit Union

<div><h1 class="jobSectionHeader"><b>Take a leap and join our team!</b></h1><p>
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members&rsquo; individual stories and unique experiences are our most valuable asset. But it&rsquo;s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.</p><p>
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
</p><p><b>Get to know us: </b>About - Gesa Credit Union</p><p>
</p><h1 class="jobSectionHeader"><b>Role Summary:</b></h1><p>
Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager. The SBA Underwriter /Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review. The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. The underwriter will assist in the completion of loan approval packages, assisting SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete other related tasks required to support the SBA Dept.
</p><p></p><h1 class="jobSectionHeader"><div><b>What You Will Be Doing:
</b></div></h1><ul><li><div>Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.</div></li><li><div>
Maintain a working knowledge of SBA loan programs.</div></li><li><div>
The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations &amp; holidays.</div></li><li><div>
Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant&rsquo;s credit worthiness.</div></li><li><div>
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements.</div></li><li><div>
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.</div></li><li><div>
Request SBA terms and conditions through SBA&rsquo;s etran system or other means.</div></li><li><div>
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request.</div></li><li><div>
Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.</div></li><li><div>
May participate in customer and prospect calls with the SBA Relationship Manager.</div></li><li><div>
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.</div></li><li><div>
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.</div></li></ul><h1 class="jobSectionHeader"><b>
</b></h1><h1 class="jobSectionHeader"><div><b>About You:</b></div></h1><ul><li><div>
To perform financial statement and tax return analysis and calculate basic financial ratios.</div></li><li><div>
To provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone thought electronic communication or written communication.</div></li><li><div>
To participate in and support a team environment.</div></li><li><div>
To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.</div></li><li><div>
Good interpersonal skills and team orientation.</div></li><li><div>
To communicate with supervisor regarding matters of account or lending concern.</div></li><li><div>
To lead by example by always displaying solid ethics and integrity.</div></li><li><div>
To assist all team members when necessary to meet the borrower expectations and department goals.</div></li><li><div>
To demonstrate a willingness to learn and grow within a dynamic and challenging environment.</div></li><li><div>
To understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
</div></li><li><div>To maintain a professional work environment and work under restricted time constraints.</div></li><li><div>
To demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.</div></li><li><div>
To maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.</div></li></ul><h1 class="jobSectionHeader"><div><b>
What You Will Need:</b></div></h1><ul><li><div><div>
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.</div></div></li><li><div><div>
Must be able to work under pressure and manage workflow to provide a high level of member service.</div></div></li><li><div><div>
Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.</div></div></li><li><div><div>
Some travel may be required to fulfill duties, career development, and/or responsibilities.</div></div></li><li><div><div>
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.</div></div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Our Team Member Value Proposition:</b></div></h1><div><div>
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:</div></div><ul><li><div>
Competitive Pay</div></li><li><div>
Medical, Dental, Vision, and Life Insurance
</div></li><li><div>20 days/year of Paid Time Off &ndash; Plus 10 Paid Holidays!</div></li><li><div>
401(k) Match</div></li><li><div>
Incentive Program</div></li><li><div>
Tuition Assistance and Student Loan Repayment</div></li><li><div>
Commuter Benefits</div></li><li><div>
Paid Time Off to Volunteer in the Community</div></li><li><div>
Product discounts</div></li><li><div>
Engaging Work Environment</div></li><li><div>
Rewards and Recognition Programs</div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Full Salary Range:</b></div></h1><div><div>
$34.60 - $57.67</div></div><div><ul><li><i>While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!&quot;</i></li></ul></div><p>
</p><div><div>Get wise to what&rsquo;s possible with a career at Gesa. Join us!</div></div><div><div>
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.</div></div><div><div>
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.</div></div><div><div>
Selected candidate(s) must be able to pass a pre-employment credit/background check.</div></div><div><div>
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.</div></div><div><div>
Equal Employment Opportunity (gesa.com)</div></div></div>

SBA Underwriter/Credit Analyst II

<div><h1 class="jobSectionHeader"><b>Take a leap and join our team!</b></h1><p>
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members&rsquo; individual stories and unique experiences are our most valuable asset. But it&rsquo;s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.</p><p>
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
</p><p><b>Get to know us: </b>About - Gesa Credit Union</p><p>
</p><h1 class="jobSectionHeader"><b>Role Summary:</b></h1><p>
Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager. The SBA Underwriter /Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review. The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. The underwriter will assist in the completion of loan approval packages, assisting SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete other related tasks required to support the SBA Dept.
</p><p></p><h1 class="jobSectionHeader"><div><b>What You Will Be Doing:
</b></div></h1><ul><li><div>Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.</div></li><li><div>
Maintain a working knowledge of SBA loan programs.</div></li><li><div>
The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations &amp; holidays.</div></li><li><div>
Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant&rsquo;s credit worthiness.</div></li><li><div>
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements.</div></li><li><div>
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.</div></li><li><div>
Request SBA terms and conditions through SBA&rsquo;s etran system or other means.</div></li><li><div>
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request.</div></li><li><div>
Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.</div></li><li><div>
May participate in customer and prospect calls with the SBA Relationship Manager.</div></li><li><div>
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.</div></li><li><div>
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.</div></li></ul><h1 class="jobSectionHeader"><b>
</b></h1><h1 class="jobSectionHeader"><div><b>About You:</b></div></h1><ul><li><div>
To perform financial statement and tax return analysis and calculate basic financial ratios.</div></li><li><div>
To provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone thought electronic communication or written communication.</div></li><li><div>
To participate in and support a team environment.</div></li><li><div>
To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.</div></li><li><div>
Good interpersonal skills and team orientation.</div></li><li><div>
To communicate with supervisor regarding matters of account or lending concern.</div></li><li><div>
To lead by example by always displaying solid ethics and integrity.</div></li><li><div>
To assist all team members when necessary to meet the borrower expectations and department goals.</div></li><li><div>
To demonstrate a willingness to learn and grow within a dynamic and challenging environment.</div></li><li><div>
To understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
</div></li><li><div>To maintain a professional work environment and work under restricted time constraints.</div></li><li><div>
To demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.</div></li><li><div>
To maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.</div></li></ul><h1 class="jobSectionHeader"><div><b>
What You Will Need:</b></div></h1><ul><li><div><div>
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.</div></div></li><li><div><div>
Must be able to work under pressure and manage workflow to provide a high level of member service.</div></div></li><li><div><div>
Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.</div></div></li><li><div><div>
Some travel may be required to fulfill duties, career development, and/or responsibilities.</div></div></li><li><div><div>
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.</div></div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Our Team Member Value Proposition:</b></div></h1><div><div>
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:</div></div><ul><li><div>
Competitive Pay</div></li><li><div>
Medical, Dental, Vision, and Life Insurance
</div></li><li><div>20 days/year of Paid Time Off &ndash; Plus 10 Paid Holidays!</div></li><li><div>
401(k) Match</div></li><li><div>
Incentive Program</div></li><li><div>
Tuition Assistance and Student Loan Repayment</div></li><li><div>
Commuter Benefits</div></li><li><div>
Paid Time Off to Volunteer in the Community</div></li><li><div>
Product discounts</div></li><li><div>
Engaging Work Environment</div></li><li><div>
Rewards and Recognition Programs</div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Full Salary Range:</b></div></h1><div><div>
$41.84 - $69.73</div></div><div><ul><li><i>While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!&quot;</i></li></ul></div><p>
</p><div><div>Get wise to what&rsquo;s possible with a career at Gesa. Join us!</div></div><div><div>
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.</div></div><div><div>
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.</div></div><div><div>
Selected candidate(s) must be able to pass a pre-employment credit/background check.</div></div><div><div>
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.</div></div><div><div>
Equal Employment Opportunity (gesa.com)</div></div></div>

Montpellier Resourcing

<p><strong>Up to £65,000 plus excellent bonus and benefits</strong></p> <p><strong>Hybrid working available!</strong></p> <p>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. <strong>For this position, you will have had experience with an individual mandate level, working within bridging finance.</strong></p> <p><strong>Duties of the Bridging Underwriter to include:</strong></p> <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> <p><strong>Requirements for the successful Bridging Underwriter:</strong></p> <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> <p><strong>What's in it for you:</strong></p> <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> <p>This vacancy is being advertised by Montpellier Resourcing Associates Limited. The services advertised by Montpellier Resourcing Associates Limited are those of an Employment Agency.</p>

Bridging Underwriter - Specialist Lending Group

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> <strong>Package and Benefits:</strong>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> <strong>About You</strong>The 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

<div><h1 class="jobSectionHeader"><b>Take a leap and join our team!</b></h1><p>
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members&rsquo; individual stories and unique experiences are our most valuable asset. But it&rsquo;s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.</p><p>
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
</p><p><b>Get to know us: </b>About - Gesa Credit Union</p><p>
</p><h1 class="jobSectionHeader"><b>Role Summary:</b></h1><p>
Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager. The SBA Underwriter /Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review. The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. The underwriter will assist in the completion of loan approval packages, assisting SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete other related tasks required to support the SBA Dept.
</p><p></p><h1 class="jobSectionHeader"><div><b>What You Will Be Doing:
</b></div></h1><ul><li><div>Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.</div></li><li><div>
Maintain a working knowledge of SBA loan programs.</div></li><li><div>
The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations &amp; holidays.</div></li><li><div>
Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant&rsquo;s credit worthiness.</div></li><li><div>
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements.</div></li><li><div>
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.</div></li><li><div>
Request SBA terms and conditions through SBA&rsquo;s etran system or other means.</div></li><li><div>
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request.</div></li><li><div>
Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.</div></li><li><div>
May participate in customer and prospect calls with the SBA Relationship Manager.</div></li><li><div>
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.</div></li><li><div>
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.</div></li></ul><h1 class="jobSectionHeader"><b>
</b></h1><h1 class="jobSectionHeader"><div><b>About You:</b></div></h1><ul><li><div>
To perform financial statement and tax return analysis and calculate basic financial ratios.</div></li><li><div>
To provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone thought electronic communication or written communication.</div></li><li><div>
To participate in and support a team environment.</div></li><li><div>
To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.</div></li><li><div>
Good interpersonal skills and team orientation.</div></li><li><div>
To communicate with supervisor regarding matters of account or lending concern.</div></li><li><div>
To lead by example by always displaying solid ethics and integrity.</div></li><li><div>
To assist all team members when necessary to meet the borrower expectations and department goals.</div></li><li><div>
To demonstrate a willingness to learn and grow within a dynamic and challenging environment.</div></li><li><div>
To understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
</div></li><li><div>To maintain a professional work environment and work under restricted time constraints.</div></li><li><div>
To demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.</div></li><li><div>
To maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.</div></li></ul><h1 class="jobSectionHeader"><b>
What You Will Need:</b></h1><ul><li><div>
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.</div></li><li><div>
Must be able to work under pressure and manage workflow to provide a high level of member service.</div></li><li><div>
Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.</div></li><li><div>
Some travel may be required to fulfill duties, career development, and/or responsibilities.</div></li><li><div>
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.</div></li></ul><p>
</p><h1 class="jobSectionHeader"><b>Our Team Member Value Proposition:</b></h1><p>
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:</p><ul><li>
Competitive Pay</li><li>
Medical, Dental, Vision, and Life Insurance
</li><li>20 days/year of Paid Time Off &ndash; Plus 10 Paid Holidays!</li><li>
401(k) Match</li><li>
Incentive Program</li><li>
Tuition Assistance and Student Loan Repayment</li><li>
Commuter Benefits</li><li>
Paid Time Off to Volunteer in the Community</li><li>
Product discounts</li><li>
Engaging Work Environment</li><li>
Rewards and Recognition Programs</li></ul><p>
</p><h1 class="jobSectionHeader"><b>Full Salary Range:</b></h1><p>
$36.81 - $61.34</p><ul><li><i>While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!&quot;</i></li></ul><p>
</p><p>Get wise to what&rsquo;s possible with a career at Gesa. Join us!</p><p>
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.</p><p>
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.</p><p>
Selected candidate(s) must be able to pass a pre-employment credit/background check.</p><p>
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.</p><p>
Equal Employment Opportunity (gesa.com)</p></div>

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