Underwriter, Finance & Banking

Our client is a leading, award-winning specialist property lender headquartered in London. Since 2008, they have provided over £3 billion in mortgages to property investors, business owners, and homeowners across the UK. Known for their dependability, fairness, and respect, they offer a dynamic and entrepreneurial environment where innovation and collaboration are at the heart of everything they do. The business is backed by institutional capital from global credit funds and investment banks, and is currently expanding its capital markets function to support continued growth.

We are seeking an experienced and detail-oriented Underwriter to join our dynamic team. In this role, you will assess and manage complex bridging loan applications from brokers, intermediaries, and direct applicants. You’ll play a key part in ensuring that all applications align with our lending policy and risk appetite, while maintaining compliance with regulatory standards.

• Assess and underwrite bridging loan applications in line with lending policy.
• Manage a personal pipeline of cases from application through to completion.
• Evaluate risk-related issues and resolve them effectively.
• Review full case documentation, including credit reports and KYC, ensuring AML compliance.
• Analyse valuation reports and assess property suitability and LTV.
• Approve or decline applications, escalating to Compliance or Senior Leadership when needed.
• Produce high-quality loan synopses with clear rationale.
• Maintain professional communication with all stakeholders throughout the loan process.

• Minimum of 2 years’ experience in a similar underwriting role or within the short-term lending industry.
• GCSE (or equivalent) grade B or above in Maths and English Language.
• Strong verbal and written communication skills.
• Excellent time management and ability to work independently or collaboratively.
• Proficiency in Microsoft Word, Outlook, and Excel.
• Comfortable with manual calculations and CRM platform tools.
• Demonstrated interest in bridging finance and market trends.