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