Credit Underwriting Professional

3 weeks ago


Birmingham, Birmingham, United Kingdom Birmingham Bank Limited Full time

Birmingham Bank Limited is looking for a highly skilled Credit Underwriting Professional to join its team in Birmingham. As a key player in the underwriting team, you will be responsible for assessing lending applications for risk and quality, while maintaining high levels of customer satisfaction.

The successful candidate will have a strong understanding of regulatory requirements, including the Prudential Regulatory Authority (PRA) and the FCA Handbook. They will also possess a Delegated Lending Authority (DLA) of £500,000 or more and a proven track record of analyzing complex financial information.

This is an excellent opportunity to work in a dynamic and collaborative environment, helping shape the Bank's BTL strategy and improving processes. You will work closely with the Commercial & Product, Operations, and Risk teams to support Financial Intermediaries and SMEs in underwriting loans across the Buy-to-Let product set.

**Responsibilities:**

  • Assess lending applications for risk and quality
  • Prepare detailed underwriting notes and reports
  • Communicate decisions to stakeholders
  • Develop and maintain underwriting procedures

**Requirements:**

  • 3+ years' experience in underwriting BTL products
  • DLA of £500,000 or more
  • Strong knowledge of regulatory requirements
  • Customer-centric approach

**Estimated Salary:** £50,000 - £70,000 per annum, based on location and experience



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