Senior Bridging Underwriter

Shawbrook is a purpose-led finance provider catering to diverse customer segments with a focus on delivering premium experiences and long-term sustainable value. Their offerings include tailored lending solutions for SMEs, real estate, and personal loans, supported by customer deposits. The company combines human expertise with advanced technology to ensure efficient service. They seek a senior member for the Bridging Underwriting Team to manage complex transactions, requiring strong commercial banking experience and excellent communication skills. Shawbrook promotes employee wellbeing and offers generous benefits, emphasising a supportive and innovative workplace culture.

Company Description
Shawbrook provides finance to a wide range of customer segments that value the premium experience, flexibility and certainly we deliver. We are a purpose-led organisation, with a focus on delivering long-term sustainable value for all our stakeholders.
We have a diversified offering, with our innovative lending propositions tailored to meet specific customer needs in carefully selected markets across SME, Real Estate and Personal. Our products range from complex structured credit facilities for growth-focused businesses to mortgages for professional landlords and property investors, as well as simple loans for consumers delivered digitally. We fuel our lending through customer deposits, which we attract by delivering a premium experience, choice and consistently great value to smart savers.
The business model we have created is unique and difficult to replicate, with our ‘best of both’ approach combining deep human expertise with advanced digital, tech and data capabilities. This combination not only allows us to deliver excellent customer experiences, but to do so efficiently and at scale. We are proud of our innovative and agile culture, which drives consistently high employee engagement scores and makes Shawbrook an attractive destination for the best talent. If you’re willing to roll up your sleeves, contribute new ideas and believe anything is possible, you’re our kind of person.
Work with us because you:
Want to be part of a bank built for the dynamics of the modern world
Relish a challenge and enjoy a fast-paced, innovative and hardworking culture
Enjoy finding new and better ways to solve complexity and make things happen
Want to belong to a diverse culture that stands shoulder to shoulder with minority and underrepresented groups
Care about society and the environment and want to be part of a business that cares too
Want to continue to grow professionally and be the best version of yourself
Job Description
To work as a senior member of the Bridging Underwriting Team in order to deliver the origination levels required by the Division
The role specialises in larger, complex transactions (£2.5m+) and requires extensive interaction with key stakeholders including Group Risk, Head of Underwriting, National Sales Manager and members of both Complex Deal Forum and Credit Approval Committee
Responsibilities include the writing of detailed credit papers for submission to Group following face to face client interviews andor property site visits – these visits to be UK wide
To deliver favourable customer outcomes in terms of credit assessment and customer experience
To analyse and understand credit risks being presented and ensure both Asset Class Policies and Lending Policies are understood and respected across First and Second Lines of Defence
To embed both the Bank and Division’s Risk Management Framework within all activities within the underwriting teams
The role holder will be required to exercise a delegated lending authority of up to £2.5m and participate in ad- hoc projects as required
Coach and support Underwriters in the wider teams, signing off cases outside of their mandates and supporting recommendations into Credit Approval Committee
Reporting to the Senior Manager – Underwriting and Support, principal interfaces will be with the Group Credit Risk and the Complex Deal Forum
Qualifications
Strong Bridging & commercial banking/lending experience
Computer literate (good knowledge of MS Office suite – Excel, Word, Power-Point)
Knowledge of TCF
Good knowledge of compliance procedures within the mortgage industry.
Reading of financial accounts, valuations, business appraisals and credit searches.
Ability to develop an analytical and pragmatic approach to underwriting
Adaptable & flexible
Excellent verbal and written communication skills
Ability to work on own and as part of a team.
Excellent planning and organisational skills
Enthusiastic “can do” attitude
Able to work under pressure and to tight deadlines
Professional, well presented
Establishes effective working relationships at all levels
Customer-focused approach
Proactive & Self Driven
Additional Information
Your Wellbeing – We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:
Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
Free access to Headspace, a mindfulness & meditation digital health app
Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
EAP (Employee Assistance Programme) – Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
Cycle to work scheme
Discounts on gym membership
Contributory pension scheme & death in service
Your Lifestyle – It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.
Minimum of 27 days holiday per year
Option to buy or sell holiday days through our flexi-holiday scheme
Discounts on gym membership nationwide
Access to discounts on a range of high street and online brands
Community support and charitable giving
Your Contribution – We’re focused on rewarding those that go the extra mile in helping us achieve our goals.
Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done