Senior Credit Underwriter – Specialist Property Finance
Location: London / Hampshire
Jacobson Garner is partnering with a specialist lender to appoint an experienced credit professional into its property finance business. This is a senior, hands on opportunity combining complex underwriting and credit decision making with responsibility for lending policy and underwriting standards.
You’ll act as a technical referral point for the underwriting team and help shape how the business assesses and manages property credit risk.
The role
- Assess and approve complex property lending proposals within a delegated lending mandate, including specialist buy to let, portfolio landlord lending and bridging finance.
- Support underwriters with complex cases, policy interpretation and referrals, providing clear recommendations where further approval is required.
- Own the review and development of lending policy, ensuring it reflects risk appetite, market conditions and regulatory requirements.
- Review underwriting quality and mandate adherence, identifying trends, gaps and opportunities to strengthen lending standards.
- Work closely with origination, operations and second line risk colleagues, balancing commercial objectives with sound credit judgement.
About you
You’ll bring strong technical underwriting experience within specialist property finance, including exposure to complex buy to let, portfolio landlords and bridging lending.
Experience assessing more complex or higher risk transactions is essential, alongside the confidence to make and explain decisions that require judgement beyond standard lending criteria.
You’ll also have:
- A track record of making credit decisions within a delegated mandate.
- Experience contributing to credit policy, lending frameworks or underwriting standards.
- A practical understanding of first line risk ownership and the controls supporting sound lending decisions.
- The ability to challenge sales teams and senior stakeholders constructively while maintaining productive relationships.
- Experience reviewing underwriting decisions and supporting the development of colleagues.
- Knowledge of relevant regulatory requirements and experience working within an audit environment.
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