Senior Underwriter

Shawbrook

Risk & Operations, Commercial

London, ENGLAND, GB

Posted on July 10, 2025

**Employer reference**: REF1407E

**The Opportunity**:
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

**The Role & Responsibilities**:
Purpose & Scope of role
- To work as a senior member of the Underwriting Teams 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 and property site visits.
- 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

Reporting to the Senior Manager (Specialist Underwriting, Real Estate Underwriting & Completions), principal interfaces will be with the Group Credit Risk and the Complex Deal Forum
- Key relationships/interfaces:

- First Line Underwriters
- Underwriting team managers
- Commercial Property originators
- Commercial Property Broker Managers
- Line 1 CP Risk
- Group Credit Risk
- Level of Authority
- Tier IV (£2.5m) Credit Approval Mandate.

Key Role Responsibilities
- Accountability for all individually assigned cases and mentoring/advising less experienced underwriter colleagues in reviewing and assessing their respective pipelines
- To communicate and escalate potential issues/risks in a prompt and effective manner.
- To report all issues of regulatory concern to the Senior Manager and/or Head of Underwriting, and/or the, Director, Real Estate Underwriting and Completions, or the Bank Legal and Compliance Departments.
- Act as a 1st line senior underwriter for new credits, and facility reviews
- Ensure complete data integrity and adherence to process.
- To support the Head of Specialist Underwriting & Completions in setting, and monitoring, appropriate Credit Risk appetite metrics for CI.
- Providing support, education and training to underwriting and completions staff on risk related issues.

**The Person**:
**Experience**:

- Proven experience in Commercial and residential investment Property.
- Deep and broad business and financial acumen

**Technical/Specialist Knowledge & Skills**:

- Significant industry knowledge in the Commercial Property market including a deep understanding of lending practices in that sector, structures, risks, covenant requirements, pricing and competition.
- Demonstrable ability to under commercial analysis of a bu