Underwriter

Northreach is a dynamic recruitment agency that connects businesses with top talent in financial services, fintech, and digital sectors. We specialize in providing a seamless recruitment experience for clients and candidates, fostering innovation and professional growth.

Our client is a specialist property lender with a strong reputation across the bridging and development finance market. Known for their pragmatic approach to lending and commitment to service, they work closely with brokers, investors, and property professionals to deliver fast, flexible funding solutions across a wide range of property transactions. As lending volumes continue to grow, they are looking to appoint an experienced Bridging Underwriter to support the business through its next phase of expansion.

This is a genuine end-to-end underwriting role, offering ownership of cases from initial enquiry through to redemption. You'll be responsible for assessing lending opportunities, managing broker relationships, progressing completions, and overseeing post-completion activities, ensuring a seamless experience throughout the lifecycle of every loan. This is an excellent opportunity for someone who enjoys variety, autonomy, and working closely with both internal stakeholders and external introducers.

Key Responsibilities

Underwriting & Credit Assessment

* Review and assess bridging loan applications

* Analyse borrower profiles, security properties, and exit strategies

* Assess risk in line with lending policy and appetite

* Prepare lending recommendations and credit papers

* Support credit approval processes where required

Case Management & Completions

* Manage applications from enquiry through to completion

* Liaise with brokers, borrowers, solicitors, valuers, and third parties

* Coordinate valuations, legal processes, and drawdowns

* Issue terms and ensure all conditions are satisfied prior to completion

* Maintain accurate case records and documentation

Post-Completion Management

* Monitor live loans throughout their lifecycle

* Manage extensions, redemptions, and ongoing case requirements

* Ensure all post-completion conditions are met

* Work closely with borrowers and brokers to facilitate successful exits

* Escalate potential risks and portfolio concerns where appropriate

Relationship Management

* Build strong relationships with brokers and introducers

* Deliver a high level of service throughout the customer journey

* Act as a trusted point of contact for all case-related queries

* Support the business in maintaining its reputation for speed, flexibility, and service

Requirements

Essential

* Experience underwriting bridging finance, development finance, specialist mortgages, or secured lending

* Strong understanding of property-backed lending

* Experience managing cases through the full lending lifecycle

* Ability to assess risk and make sound commercial decisions

* Excellent organisational and case management skills

* Strong communication and stakeholder management abilities

Desirable

* Experience handling both pre- and post-completion processes

* Exposure to regulated and unregulated lending

* Experience working for a specialist lender, challenger bank, or bridging finance provider

* CeMAP or relevant financial services qualifications