Job Description

The Internal Surveyor is a RICS-qualified property professional embedded within the Bank's Portfolio & Credit Solutions function. The role provides in-house Chartered Surveyor expertise across residential, commercial and mixed-use real estate collateral, with a particular focus on ensuring that property valuations are appropriate forfor regulatory capital, provisioning and lending purposes. The role acts as the technical bridge between external valuers, credit risk, model risk, finance and regulatory reporting teams.

To act as the Bank's internal Chartered Surveyor, providing RICS subject matter expertise across residential and commercial property collateral.
To perform internal revaluations and desktop assessments of property assets held as collateral, in line with regulatory and risk based requirements for the valuation of immovable property securing exposures; of both commercial and residential nature.
To support the monitoring and statistical/index-based revaluation of property collateral, including identifying assets that require a full individual revaluation according to internal policy parameters
To provide valuation commentary on back-book assets and in-life cases, recommending appropriate valuation bases, provide support and guidance to underwriting and in life teams; along with guidance toany disposal strategies as necessary.
To support new deal processes as appropriate across Real Estate and alternative Real Estate asset classes

Key Role Responsibilities

Prepare internal valuations of commercial, residential and mixed-use property collateral, ensuring compliance with RICS Valuation – Global Standards (the "Red Book") as appropriate and relevant UK regulatory requirements.
Apply and interpret associated regulatory requirements for the valuation and monitoring of immovable property collateral, including valuation independence, prudent valuation criteria, and minimum revaluation frequency for commercial and residential real estate exposures.
Identify properties where market conditions indicate a significant decline in value and instruct or perform a full revaluation in accordance with regulatory thresholds, inclusive of site visits as appropriate
Support internal audit, model risk and regulatory reviews (including PRA/FCA engagement) by providing evidence of valuation governance, methodology and compliance with the Basel 3.1 collateral valuation requirements.
Maintain accurate valuation records and audit trails sufficient to evidence compliance with prudential and Red Book requirements.
Keep abreast of regulatory developments relating to but not limited to Basel 3.1/CRR3 implementation, PRA policy statements and RICS professional standards, and translate these into practical changes to internal valuation policy.
Support development and maintain adherence to the banks Collateral and Valuation Policy at Business line level
Provide portfolio level insight across key asset classes and geographies to support LTV trend analysis and horizon scanning

Qualifications

Skills & Experience

Experience Expectations

Significant post-qualification experience (PQE) as a Chartered Surveyor, ideally including time within a bank, building society or specialist lender.
Excellent understanding of the residential and commercial real estate markets, including valuation methodologies (comparable, investment, DRC, residual).
Practical experience valuing or reviewing valuations of property held as loan collateral, including for regulatory/capital purposes.
Experience managing external valuation panel relationships and overseeing panel manager performance.
Familiarity with Automated Valuation Models (AVMs) and statistical/index-based revaluation approaches.
Experience supporting workout, forbearance or in-life asset management cases desriable

Technical & Regulatory Expertise

Working knowledge of the Basel 3.1 (CRR3/UK CRR) requirements for the valuation and revaluation of immovable property collateral, including minimum revaluation frequency, valuation independence and prudent valuation.
Understanding of how property valuation feeds into LTV, RWA, IRB/standardised approach capital calculations and IFRS 9 provisioning.
Sound knowledge of RICS Valuation – Global Standards (Red Book)
Ability to read and interpret financial accounts, business appraisals, credit searches and valuation reports.
Analytical, evidence-based and pragmatic approach to valuation assessment and risk identification.
Good working knowledge of MS Office (Excel, Word, PowerPoint); comfort working with valuation and risk data sets and Power BI when necessary.

Qualifications & CPD

MRICS or FRICS – Chartered Surveyor, RICS-registered valuer (essential).
Degree or equivalent in Real Estate, Surveying or a related discipline.
Evidence of continued RICS CPD relevant to valuation practice and financial services regulation.
Working knowledge of, or willingness to develop expertise in relevant regulatory standards

Interpersonal Skills

Excellent verbal and written communication skills, able to explain valuation and regulatory concepts to non-specialist stakeholders.
Able to work independently and exercise sound professional judgement, while collaborating across credit risk, model risk and finance teams.
Strong planning, organisational skills and accuracy under pressure and tight deadlines.
Professional, well presented, and comfortable engaging with regulators, auditors and senior stakeholders.
Proactive, self-driven and comfortable challenging valuation outputs where evidence supports doing so.

Additional Information

Permanent role, full-time, Monday to Friday, with occasional extended hours as required.
Able to commute reliably to our London/Manchester/Glasgow office base and travel occasionally to inspect properties or meet panel valuers.
Clean or near-clean driving licence preferred.

Additional Information

Your Wellbeing - We take your health and well-being very seriously by providing a range of benefits to give you and your family peace of mind. These include:

Market leading family friendly policies such as access to our Maternity, Adoption and Paternity policies from Day 1 of your employment
Free access to Headspace, a mindfulness & meditation digital health app
Free access to Peppy digital health app that offers personalised support through fertility treatment becoming a parent or menopause
EAP (Employee Assistance Programme) - Offering you support on a wide range of subjects including financial concerns, mental wellbeing and more general queries around family, work, housing, and health
Cycle to work scheme
Discounts on gym membership
Contributory pension scheme & death in service

Your Lifestyle - It’s important you strike the right balance between your work and personal life. We provide benefits to support you when at work and when you’re enjoying your leisure time.

Minimum of 27 days holiday per year
Option to buy or sell holiday days through our flexi-holiday scheme
Discounts on gym membership nationwide
Access to discounts on a range of high street and online brands
Community support and charitable giving

Your Contribution - We’re focused on rewarding those that go the extra mile in helping us achieve our goals.

Participation in our annual discretionary bonus scheme designed to reward your contribution to our success
Proudly Shawbrook recognition scheme focused on recognising our role models and thanking our colleagues for a job well done

About the company

Shawbrook is a UK specialist lender that funds SMEs, property investors, and individuals by using savers’ deposits to back loans. Its products include SME lending, residential and commercial property lending, and asset finance and business credit, supported by a digital-enabled platform to manage applications, underwriting, and repayments. The bank has grown through strategic acquisitions and a history of taking a primarily private ownership path, differentiating itself from traditional high street banks by focusing on a simple, deposit-funded lending model and targeted lending segments rather than broad consumer banking. Shawbrook’s goal is to provide steady access to finance for its target customers, expand its loan book and capabilities through acquisitions and digital tools, and build long-term value for investors, as shown by its return to the London Stock Exchange with a second IPO in 2025.

Company Size

1,001-5,000

Company Stage

IPO

Headquarters

United Kingdom

Founded

1944

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Simplify's Take

What believers are saying

H1 2026 profit before tax rose 16% to £195.5 million.
ThinCats added about £160 million in Q1 2026, expanding SME origination capacity.
May 2026 AT1 issuance lifted total capital to 16.4%, supporting dividend plans.

What critics are saying

Blue Motor Finance exits in H2 2026, exposing weak consumer-book economics.
H1 2026 included £25.8 million originate-to-distribute gains, a nonrecurring earnings lever.
Property and SME concentration makes any UK collateral shock a capital and earnings hit.

What makes Shawbrook unique

Shawbrook's ThinCats, TML, and Bluestone brands target UK specialist borrowers banks reject.
Its H1 2026 loan book reached £20.1 billion with sector-specific underwriting.
Shawbrook embeds risk data across all three lines, strengthening faster credit decisions.

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Benefits

Wellness Program
Mental Health Support
Cycle to Work Scheme
Commuter Benefits
Gym Membership
Employee Discounts
Paid Vacation
Performance Bonus
Fertility Treatment Support

Growth & Insights and Company News

Headcount

6 month growth

12%

1 year growth

12%

2 year growth

12%

Bridging Loan Directory

Oct 20th, 2026

Gatehouse Capital hires Hanif Hussain from Shawbrook as Scotland BDM.

Gatehouse Capital hires Hanif Hussain from Shawbrook as Scotland BDM. Gatehouse Capital has appointed Hanif Hussain as Business Development Manager for Scotland, strengthening its intermediary relationships and supporting growth north of the border. The appointment reflects Gatehouse Capital's commitment to expanding its presence in Scotland and building a relationship-led distribution network, combining local market knowledge with a practical, commercially focused approach to property finance. In the role, Hanif will develop Gatehouse Capital's relationships with existing and new introducers across Scotland, and continue to raise awareness of the firm's ethical bridging finance solutions. Hanif joins Gatehouse Capital from Shawbrook Bank, where he was a Business Development Manager, bringing more than 17 years of experience in financial services, including almost a decade working with mortgage intermediaries across Scotland and the North East. Prior to joining Shawbrook, Hanif spent more than eight years at The Mortgage Lender (TML) and Bluestone Mortgages, where he held Business Development Manager and Sales Coach roles. He began his career with Lloyds Banking Group, progressing into sales management and team development. Mark Dyason, Managing Director of Gatehouse Capital, said: "Hanif brings an excellent combination of specialist property finance experience, strong intermediary relationships and a genuine understanding of what brokers need from their finance partners. His knowledge of the Scottish market will be particularly valuable as Bridging Loan Directory continue to develop its proposition and increase its presence across the country. Its ambition is to make specialist property finance more accessible through transparent pricing, Shariah-compliant structures and a willingness to work closely with intermediaries to get transactions completed. Hanif shares that approach and his appointment is another important step in building a team that can deliver on its promise to compete to complete." Hanif Hussain, Business Development Manager for Scotland at Gatehouse Capital, said: "Having worked with brokers across Scotland for many years, I know how important it is to have finance partners who are accessible, understand the pressures of a transaction and are prepared to work collaboratively to find solutions. Gatehouse Capital has a compelling proposition in the bridging finance market, particularly its commitment to transparency and certainty of execution. I am looking forward to reconnecting with existing relationships, developing new ones and helping more intermediaries understand the opportunities available through Gatehouse Capital."

City A.M.

Oct 11th, 2026

City minister insists capital markets reform 'not a job done'

City minister insists capital markets reform 'not a job done' Senior City Reporter A top Treasury minister has opened the door to further capital markets reforms after saying the government's job was not done in improving listing incentives. Lucy Rigby, who serves as the economic secretary to the Treasury, otherwise known as City minister, told City AM the government was "continually looking for ways that we can ensure we're being as competitive as possible". "We need to be cognisant of global competition and vigilant," she said, adding "this isn't just about our capital markets, but a much broader question for our financial services sector". In the 2025 Budget, then-Chancellor Rachel Reeves launched a stamp duty holiday, removing the 0.5 per cent levy on UK stocks for newly-listed companies in their first three years of trading. "The reforms we've made to our capital markets are starting to bear some fruit... it's definitely not a job done. I think it's going to require a concerted and continued effort," Rigby said. News updates. Stay ahead with our three daily briefings delivering all the key market moves, top business and political stories, and incisive analysis straight to your inbox. She pointed to the £5.3bn IPO of Airtel Money - the City's biggest listing in five years - as a sign of "renewed momentum". But the year has remained subdued for major IPOs with top names rumoured to be mulling a float either delaying or scrapping plans. Top bosses have continued to call for bigger swings to unlock an influx of new listings. Rigby getting 'many calls' to do something about stamp duty. Fintech industry body Innovate Finance - which counts Revolut, Monzo and Zilch among its members - has called for stamp duty to be abolished entirely to "help reverse the decline in British ownership of UK companies". Rigby told City AM: "I wouldn't be doing my job properly if I hadn't heard many calls to do something about stamp." UK fintech investment hit a decade low in the first-half of the year at £1.8bn, down roughly two-thirds from the £5bn the year prior. Rigby said the figure was "not an amount of money to be sniffed at" but added the Treasury was making a "very considerable effort" to improve access to capital. The minister met with top fintech unicorn chiefs last week, including the bosses of iwoca, Clearbank and Modulur. A number of the industry's top firms have ramped up lobbying efforts ahead of the Budget, with a key demand for the government to increase the threshold at which banks are hit with a sector specific tax. Revolut and Monzo teamed up with Shawbrook, Aldemore and other challenger banks to lobby for the surcharge threshold to £500m, from £100m. Rigby said: "Decisions on all forms of tax are for the Chancellor and he'll make them in the context of the Budget" She added: "There is no route to good growth in every postcode that doesn't involve our world-leading financial services sector supporting the ambitions of the whole country.

Bridging Loan Directory

Oct 8th, 2026

Shawbrook backs listed Bristol pub conversion with £3.1m development loan.

Shawbrook backs listed Bristol pub conversion with £3.1m development loan. Shawbrook has provided a £3.1 million development finance facility to support the transformation of a former Bristol pub into a 33-bed purpose-built student accommodation (PBSA) scheme. The 16-month facility is supporting the redevelopment of The Old Tavern in Stapleton, combining the conversion and extension of the existing Grade II listed property with the construction of a new two-storey building within the grounds. The completed development will provide a mix of cluster and studio accommodation, with ensuite bedrooms, communal areas and amenity space, and is expected to have a Gross Development Value (GDV) of approximately £4.6 million. Given the listed status of the property and associated planning and construction considerations, the developer was looking for a lender that could provide a well-structured facility and support the more complex requirements of the project. Broker partner Page Property Finance introduced the developer to Shawbrook, with both already familiar with the bank's experience and appetite for supporting PBSA schemes across Bristol. Shawbrook structured the £3.1 million facility to support the delivery of the scheme, which is now nearing completion. Mike Page, Director at Page Property Finance, said: "The client needed a lender that understood the PBSA market and could get comfortable with the additional considerations that come with a listed building development. Understanding Shawbrook's track record supporting similar schemes in the region, Bridging Loan Directory felt the team would be a good fit for the project. Greg and the Shawbrook team worked closely with Bridging Loan Directory and its client to understand the requirements of the development and put the right funding structure in place. It's great to see the project now nearing completion and the client's plans coming to life." Greg Pescott, Relationship Director, Development Finance at Shawbrook, commented: "This is an exciting scheme from an experienced developer, bringing a historic Bristol property back into use while delivering much-needed new student accommodation. The combination of the listed building and new-build elements makes this a particularly interesting project. It's a strong addition to Bristol's student accommodation market and Bridging Loan Directory is pleased to have supported in delivering the developer's plans for the site."

Insider Media

Oct 8th, 2026

Perch Group secures $70M facility as part of enhanced $508M funding platform

Perch Group, a Blackpool-based company, has secured a £55 million facility from Triple Point as part of an enhanced £400 million funding platform to support its growth plans. The facility forms a component of the broader funding package, which will enable the company to pursue its expansion objectives. No additional details about Perch Group's specific business operations or growth strategy were disclosed.

Credit Connect

Sep 25th, 2026

Shawbrook makes new Senior Director appointment to Healthcare team.

Shawbrook makes new Senior Director appointment to Healthcare team. 25th September 2026 Shawbrook has expanded its Healthcare Lending team with the appointment of Emma Glynn as Senior Director. Emma joins to strengthen our ThinCats Healthcare proposition, whilst having responsibility for originating opportunities across both the Shawbrook and ThinCats Healthcare platforms. Glynn brings more than 20 years of experience as a healthcare property and governance leader, having advised providers, investors, and lenders across the UK and Europe. She spent 23 years at JLL, including five years leading the Healthcare Advisory team from 2020 to 2025. Glynn has also built significant board experience, including nearly seven years as a Non-Executive Director at Somerset Care and, more recently, as its Senior Independent Director. She has also previously served on the Board of University Hospitals Bristol and Weston NHS Foundation Trust. This experience has allowed Glynn to build a reputation for providing independent valuation, market intelligence, and strategic risk advice on some of the UK's most significant healthcare portfolios. The appointment reinforces Shawbrook's commitment to providing deep sector expertise and tailored finance solutions to the UK's healthcare and social care sectors. Commenting on the appointment, Head of Healthcare at Shawbrook, Dasos Kirtsides said "Emma's arrival marks an exciting milestone for our Healthcare team as we continue to expand our support for ambitious care operators across the UK. From property valuation and estate strategy to operational governance, Emma brings with her a wealth of experience that will benefit the team greatly. "At Shawbrook, we pride ourselves on our extensive sector expertise, offering our partners a well-regarded lending service. We are thrilled to have Emma on board to aid this mission, and are excited to continue our support of the care industry in the UK, which continues to do incredible work for our society."

Shawbrook

Internal Property Surveyor

About the job