Senior Underwriter Shawbrook Customer Service & Experience London / Manchestser / Glasgow / Bre ...

Purpose & Scope of role

• To work as a senior member of the Underwriting Teams to meet the Division's origination targets.
• The role specializes in larger, complex transactions (£2.5m+) and involves extensive interaction with stakeholders such as Group Risk, Head of Underwriting, and others involved in complex deal assessments.
• Responsibilities include preparing detailed credit papers for Group submission after face-to-face client interviews and property site visits, which will be UK-wide.
• Aims to deliver favorable customer outcomes in credit assessment and customer experience.
• Analyze and understand credit risks, ensuring compliance with Asset Class and Lending Policies across all lines of defence.
• Embed the Bank and Division's Risk Management Framework within underwriting activities.
• The role holder will exercise delegated lending authority of up to £2.5m and participate in ad hoc projects.

Reporting to the Senior Manager (Specialist Underwriting, Real Estate Underwriting & Completions), key interfaces include Group Credit Risk and the Complex Deal Forum.

• Key relationships include First Line Underwriters, Underwriting team managers, Commercial Property originators, Brokers, Line 1 CP Risk, and Group Credit Risk.
• Authority level: Tier IV (£2.5m) Credit Approval Mandate.

Key Role Responsibilities

• Accountability for assigned cases and mentoring less experienced underwriters.
• Act as a subject matter expert for Credit Risk, supporting team objectives.
• Communicate and escalate risks promptly.
• Report regulatory concerns appropriately.
• Act as a senior underwriter for new credits and reviews.
• Ensure data integrity and process adherence.
• Support setting and monitoring of Credit Risk appetite metrics.
• Provide risk-related training to staff.

Experience:

• Proven experience in Commercial and Residential Investment Property.
• Strong business and financial acumen.

Technical/Specialist Knowledge & Skills:

• Deep knowledge of Commercial Property lending practices, risks, structures, and market dynamics.
• Ability to analyze business financial and non-financial aspects.
• Excellent customer service, presentation, and negotiation skills.
• Experience in strategic reporting at executive levels.
• Thorough understanding of credit risk management and related processes.
• Proven credit-underwriting skills in banking or finance.
• Regulatory compliance knowledge.
• Strong commercial and financial skills, strategic thinking, and business planning capabilities.
• Market insight and knowledge of relevant Acts (Consumer Credit Act, Data Protection Act).
• Proficiency in MS Office Suite.
• Knowledge of TCF principles.

Interpersonal Skills

• Adaptability in changing environments.
• Excellent interpersonal skills for building rapport and engaging stakeholders.
• Ability to influence and communicate effectively at all levels.
• High motivation, energy, and commitment.
• Ability to prioritize and manage multiple projects.
• Creativity, innovation, and results orientation.

Shawbrook offers diverse financial products tailored to customer needs, combining expertise with digital capabilities to deliver excellent experiences. The culture promotes innovation, agility, and high employee engagement. Join us if you seek a dynamic, inclusive environment where you can contribute and grow.

Why work with us? Because you:

• Want to be part of a modern, forward-thinking bank.
• Enjoy challenges and a fast-paced culture.
• Seek to solve complexity and drive change.
• Value diversity and inclusion.
• Care about society and the environment.
• Desire professional growth and self-improvement.

We support your wellbeing, lifestyle, and contribution through various benefits, including health and wellness programs, holiday schemes, discounts, and performance bonuses.