Bridging Underwriter

Northreach; Coventry; In loco; GBP 42.000 - 65.000; Tempo pieno

Descrizione del lavoro

Northreach is seeking an experienced Bridging Underwriter to join its specialist lending team. You will assess, structure and progress bridging finance applications, ensuring lending decisions align with credit risk policy and commercial objectives.

You will manage your own pipeline and work closely with brokers, solicitors and internal teams to drive timely completions. You will bring a solid background in bridging or related specialist lending, with strong analytical and communication skills

Competenze

• Proven experience underwriting bridging, refurbishment or development finance.
• Strong understanding of credit risk policy and lending regulations.
• Ability to analyse borrower circumstances, property security and valuations.
• Competent in preparing clear, commercially balanced credit recommendations.

Mansioni

• Underwrite bridging finance applications from initial assessment to completion.
• Assess borrower circumstances, property security and supporting documents.
• Review credit searches, Land Registry, valuations and due diligence.
• Maintain a live pipeline and ensure progress within service levels.
• Collaborate with brokers, solicitors and internal teams to drive completions.
• Document underwriting notes and rationales accurately.

Conoscenze

Underwriting

Credit risk

Analytical skills

Communication with brokers

Organisational skills

Attention to detail

Regulatory knowledge

Descrizione del lavoro

About the Company

We're partnering with an established specialist mortgage lender that’s looking to strengthen its underwriting team with an experienced Bridging Underwriter.

Operating within the UK specialist property finance market, the business provides tailored lending solutions and prides itself on combining strong credit standards with a pragmatic, commercially minded approach to underwriting.

This is an opportunity to join a collaborative lending team where you’ll have genuine ownership of transactions, direct exposure to brokers and introducers, and the ability to influence lending decisions from initial application through to completion.

If you’re an experienced underwriter who enjoys assessing complex property transactions, finding sensible lending solutions and seeing deals through to completion, this could be an excellent next step.

About the Opportunity

You’ll take responsibility for assessing, structuring and progressing bridging finance applications, ensuring lending decisions are commercially sound and aligned with credit risk policy.

You’ll manage your own pipeline of transactions, reviewing applications, analysing supporting documentation and working closely with brokers, solicitors and internal teams to deliver efficient completions.

This is a hands‑on underwriting position offering the opportunity to work across a variety of bridging transactions while developing your technical expertise within a supportive specialist lending environment.

Key Responsibilities

• Underwrite bridging finance applications from initial assessment through to completion, ensuring decisions align with lending policy and credit risk requirements.
• Assess borrower circumstances, property security, valuations and supporting financial documentation to determine lending suitability.
• Prepare clear, commercially balanced credit recommendations, identifying key risks and appropriate mitigants.
• Review credit searches, Land Registry information, valuation reports and legal due diligence documentation.
• Manage a pipeline of live bridging applications, ensuring transactions progress efficiently and within agreed service levels.
• Work closely with brokers and introducers to discuss new enquiries, assess potential transactions and support the preparation of heads of terms.
• Liaise with solicitors, internal teams and other stakeholders to resolve outstanding requirements and coordinate successful completions.
• Maintain accurate underwriting records, case notes and supporting documentation.
• Identify potential issues early and take a proactive approach to resolving underwriting and completion challenges.
• Develop a thorough understanding of lending products, credit policies and underwriting procedures.
• Contribute to improvements in underwriting processes, operational efficiency and customer experience.
• Deliver a professional, responsive service to brokers, borrowers and internal stakeholders.
• Previous experience underwriting Bridging Finance, Refurbishment Finance or Development Finance within a specialist lending environment.
• Ideally 2+ years’ experience in a mandate‑holding underwriting position or a comparable credit decision‑making role.
• Strong understanding of unregulated bridging finance transactions.
• Comprehensive knowledge of the bridging loan lifecycle, from initial application and credit assessment through to completion.
• Experience preparing detailed credit rationales and presenting lending recommendations.
• Strong knowledge of property valuations, legal due diligence, security requirements and lending documentation.
• Proven ability to manage multiple live underwriting cases and maintain service‑level standards.
• Excellent analytical skills with the ability to identify credit risks and recommend appropriate mitigants.
• Strong organisational skills, attention to detail and accurate record keeping.
• Confident communication skills when dealing with brokers, introducers, solicitors and internal stakeholders.
• Understanding of relevant UK lending regulations, compliance requirements and credit risk policies.
• A proactive, solutions‑focused approach to underwriting and transaction management.

We’re particularly interested in candidates currently working for specialist property lenders, bridging finance providers, challenger banks or alternative lending businesses who have experience managing bridging transactions from application through to completion.