Senior Manager - Underwriting

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

Experience:

• 3 years experience in BTL & Commercial Property.
• Deep and broad business and financial acumen

Technical/Specialist Knowledge & Skills:

• Significant industry knowledge in the CI & BTL  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 business both in terms of financial and non-financial aspects.
• Excellent customer service, presentation and negotiation skills
• Experience in executive level reporting on strategic initiatives.
• Thorough comprehension of credit risk management, credit administration, loan production and servicing.
• Proven credit-underwriting skills within either banking or finance industry
• Compliance with all regulatory requirements, remaining in good standing with regulatory agencies.
• Strong commercial, financial acumen and capability in strategic thinking, executive level reporting and effective business planning
• Strong customer/intermediary and market insight
• Knowledge of Consumer Credit Act and Data Protection Act

Interpersonal

• Strong and proven leadership skills to lead and develop a team by example.
• Ability to work in a changing environment requiring adaptability and flexibility together with the management of people through change.
• Excellent interpersonal skills with the ability to build rapport in order to engage employees and gain support of peers.
• Build a strong balanced and effective team by setting clear goals and expectations
• Strong influencing and assertiveness skills and the ability to communicate effectively both orally and in writing with all levels of management, regulators, and committees of the Board of Directors.
• High levels of drive, energy and personal commitment to success
• Ability to prioritise and manage multiple business needs and projects.
• Creativity and innovation
• Results orientated, holds self-accountable