Portfolio Underwriter – Secured Lending & Credit Risk
We’re supporting a well-backed, fintech-enabled MGA launched by an established mortgage business, building an innovative insurance proposition for UK mortgage lenders and their lending portfolios.
Working directly with the Chief Underwriting Officer, you’ll help assess lender portfolios, analyse risk, shape underwriting decisions and play a key role in building the underwriting function as the business grows.
This is a genuinely unique opportunity and we’re keen to hear from candidates from either a specialist mortgage lending or credit insurance/trade credit background. You don’t need experience in both.
Key responsibilities
- Assess lender underwriting quality and portfolio risk
- Review loan tapes, arrears, defaults and performance trends
- Produce underwriting recommendations and Credit Committee papers
- Support underwriting governance, risk controls and product development
- Help shape the underwriting framework as the business scales
We’d love to hear from people with experience in:
- Specialist residential or Buy-to-Let underwriting
- Bridging, development or commercial real estate lending
- Portfolio credit risk or lending policy
- Credit insurance or trade credit underwriting
- Credit Committee papers, underwriting governance or portfolio analysis
We’re looking for someone with:
- Strong underwriting judgement and commercial awareness
- Experience assessing complex secured lending or credit risk
- A hands-on approach and desire to help build something from the ground up
- Excellent analytical and stakeholder management skills
Why join?
- Work directly with an experienced Chief Underwriting Officer
- Join an ambitious, well-backed business at an exciting stage of growth
- Influence underwriting strategy, products and future direction
- Excellent long-term progression as the business scales
City of London based with an office-first culture during the early growth phase (3-4 days a week)
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