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