Bridging Finance Underwriter | Property Finance | Future Head of Underwriting Opportunity
About the Company
A specialist property lender that has built its success on speed, expertise and intelligent lending decisions. With an established presence across bridging finance, refurbishment loans, auction purchases, HMOs, conversions and semi-commercial property transactions, the business is entering an exciting growth phase and is seeking an experienced Underwriter to help lead the journey.
For the right individual, this role offers a genuine pathway towards becoming Head of Underwriting within the next 12-18 months.
About the Role
This position is ideal for an experienced property finance professional who enjoys analysing transactions, making lending decisions and taking responsibility for outcomes.
You’ll assess a broad range of straightforward and complex property-backed lending opportunities while working closely with senior leadership to shape underwriting standards and support the future growth of the lending function.
The successful candidate will become a key decision-maker within the business and play an instrumental role in scaling underwriting operations.
Key Responsibilities
- Underwrite bridging and specialist property finance transactions
- Assess residential, semi-commercial and conversion opportunities
- Review borrower profiles, project viability and exit strategies
- Analyse valuations, legal reports and supporting documentation
- Present and justify lending decisions
- Structure deals within agreed lending criteria and risk appetite
- Manage cases through to completion alongside operations colleagues
- Identify and recommend improvements to underwriting procedures
- Support the development of underwriting policy and best practice
- Help build and lead the underwriting function as the business grows
Package
- Salary depending on experience
- Exceptional performance-based bonus structure
- Clear route to Head of Underwriting
- Direct exposure to senior leadership and lending strategy
- Ongoing professional development and mentoring
- Flexible working options after probation
- Fast-growing business with strong long-term ambitions
- Collaborative and supportive team culture
Skills & Experience
- 5+ years’ underwriting experience within bridging finance, specialist finance, development finance or property lending
- Strong understanding of residential, semi-commercial and refurbishment lending
- Experience reviewing HMOs, conversions and value-add property projects
- Confident making lending recommendations and credit decisions
- Detail-oriented with strong analytical skills
- Commercial awareness and sound judgement
- Ability to communicate effectively with brokers and borrowers
- Desire to progress into leadership responsibilities
- Ambitious, proactive and highly accountable mindset
Why Apply?
This position offers the platform to move beyond transaction management and become a recognised leader within a growing business. The company actively develops talent, values independent thinking and rewards individuals who contribute to its success.
If you’re looking for a role that combines complex deal exposure, strong earning potential and a realistic leadership pathway, this is an exceptional opportunity to accelerate your career.
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