Underwriter - Specialist Underwriting

To work as a member of the Underwriting Teams to deliver the required origination levels for the Division.

The role specializes in larger, complex transactions (£1.25m+) and involves extensive interaction with key stakeholders such as Group Risk, Head of Underwriting, National Sales Manager, and members of both the Complex Deal Forum and Credit Approval Committee.

Responsibilities include preparing detailed credit papers for submission to Group and delivering favorable customer outcomes in terms of credit assessment and customer experience.

The role requires analyzing and understanding credit risks, ensuring compliance with Asset Class and Lending Policies across First and Second Lines of Defense, and embedding the Bank and Division's Risk Management Framework within all activities.

The role holder will initially exercise delegated lending authority of up to £1.25m and participate in ad hoc projects. They will be accountable for their cases and mentor less experienced underwriters, acting as a subject matter expert for Credit Risk, engaging with stakeholders to support objectives, and escalating issues promptly.

Reporting all regulatory concerns to senior management and ensuring data integrity and process adherence are also key responsibilities.

The Person

• Strong experience in Commercial and Residential Investment Property.
• Deep business and financial acumen.
• Industry knowledge in Commercial Property lending, including risks, structures, covenant requirements, pricing, and competition.
• Ability to analyze business finances and non-financial aspects effectively.
• Excellent customer service, presentation, and negotiation skills.
• Experience in executive-level reporting on strategic initiatives.
• Thorough understanding of credit risk management, credit administration, and loan servicing.
• Proven credit-underwriting skills in banking or finance.
• Regulatory compliance and good standing with authorities.
• Strategic thinking, business planning, and market insight.
• Knowledge of the Consumer Credit Act and Data Protection Act.
• Proficient in MS Office (Excel, Word, PowerPoint).

The Opportunity

Shawbrook offers finance to diverse customer segments, emphasizing a premium experience, flexibility, and value. As a purpose-led organization, it focuses on long-term value creation for stakeholders.

Its diversified offerings include structured credit facilities, mortgages for landlords and investors, and digital consumer loans, funded through customer deposits.

The company combines deep expertise with advanced digital capabilities to deliver excellent customer experiences efficiently. Shawbrook fosters an innovative, agile culture with high employee engagement, making it an attractive workplace for talented professionals.

If you are proactive, innovative, and collaborative, you will fit well with Shawbrook.

Why Work With Us

• Be part of a bank built for modern dynamics.
• Enjoy a fast-paced, innovative, and challenging culture.
• Find new ways to solve complex problems.
• Join a diverse and inclusive environment.
• Contribute to society and environmental sustainability.
• Grow professionally and personally.

Reward

We prioritize your wellbeing with benefits like family-friendly policies, access to mindfulness and health apps, mental health support, pension schemes, and more.

We support work-life balance through generous holiday allowances, flexible holiday schemes, discounts, and community involvement.

We reward contributions via discretionary bonuses and recognition schemes.