Bridging Underwriter

Northreach; Birmingham; Hybrid; GBP 42,000 - 62,000; Full time

Benefits offered by this job

Bonus up to 10%

Hybrid working

Private medical insurance

Life insurance up to 4x salary

25 days leave + 8 holidays + Christmas

Pension contributions

Wellbeing support & career development

Inclusive team culture

Job summary

Northreach is recruiting a Mortgage Underwriter for its bridging finance team. You’ll own bridging applications from initial assessment through to completion, making well-reasoned credit decisions and supporting intermediary partners to deliver a dependable lending service.

In a collaborative, small team, you’ll discuss cases with introducers and manage your pipeline to funding, while maintaining thorough documentation and a proactive service approach.

Qualifications

• Experience in bridging, refurbishment or development finance.
• At least two years in a mandate-holding underwriting role.
• Ability to produce detailed credit rationales and explain lending decisions clearly.

Responsibilities

• Review bridging loan applications within service levels.
• Assess credit searches, Land Registry reports, valuations and supporting docs.
• Prepare clear credit rationales and identify risks and mitigations.
• Manage cases from application to funding, liaising with solicitors.
• Support introducers with new enquiries and potential applications.
• Maintain accurate case records and data throughout the lending process.
• Provide proactive service to brokers, solicitors and internal stakeholders.
• Contribute to improvements in underwriting processes and support colleagues across the team.

Skills

Bridging finance

Credit underwriting

Risk assessment

Intermediary liaison

Pipeline management

Tools

Land Registry checks

Valuations review

Job description

Northreach is partnering with a specialist mortgage lender to recruit a Mortgage Underwriter for its bridging finance team.

This is an opportunity to take ownership of bridging applications from initial assessment through to completion. Working within a small, collaborative team, you’ll make well-reasoned credit decisions, support intermediary partners and help deliver a responsive, reliable lending service.

The role

You’ll assess applications against the lender’s credit policy, balancing commercial judgement with thorough due diligence and effective risk management. You’ll also discuss potential cases with introducers, provide heads of terms and manage your pipeline through to funding.

Your responsibilities will include:

• Reviewing and underwriting bridging loan applications within agreed service levels.
• Assessing credit searches, Land Registry reports, valuations and supporting documentation.
• Preparing clear, concise credit rationales, identifying risks and appropriate mitigations.
• Managing cases from application through to completion, including liaising with solicitors and arranging funding.
• Supporting introducers with new enquiries and potential applications.
• Maintaining accurate case records and data throughout the lending process.
• Providing proactive service to brokers, solicitors and internal stakeholders.
• Contributing to improvements in underwriting processes and supporting colleagues across the wider team.

What we’re looking for

You’ll bring experience in bridging, refurbishment or development finance, ideally with at least two years in a mandate-holding underwriting role, or a comparable position with a specialist finance provider.

You’ll also have:

• Experience of unregulated bridging finance and a strong understanding of the full loan lifecycle, including completions.
• The ability to produce detailed, succinct credit rationales and explain lending decisions confidently.
• Strong analytical skills, sound credit judgement and a practical approach to solving problems.
• Experience managing an end-to-end pipeline while balancing deadlines and service expectations.
• Excellent attention to detail, organisation and record keeping.
• Confident communication skills and a collaborative, customer-focused approach.
• Knowledge of relevant industry regulations and compliance requirements.

Buy-to-let underwriting, live loan portfolio management and experience improving business processes would be advantageous.

What’s on offer

• Company bonus scheme of up to 10%, subject to company policies.
• Hybrid working, with three days working from home each week.
• Private medical insurance for you and your family.
• Life insurance cover of up to four times your salary.
• 25 days’ annual leave, plus eight statutory holidays and one additional paid day over Christmas.
• Pension contributions.
• Wellbeing support, professional development and opportunities for career progression.
• A supportive, inclusive team where your contribution is recognised.