Bridging Underwriter

Vivo Talent; Welwyn; Hybrid; GBP 50,000 - 70,000; Full time

Benefits offered by this job

Pension

Bonus potential

Job summary

Vivo Talent is seeking a Senior Bridging & Development Underwriter in Hertfordshire. You will underwrite bridging loans on residential and semi-commercial properties, including auction purchases and refurbishment, and assess development finance with monitoring surveyors.

Bring 5+ years in bridging or development finance, strong valuations knowledge, and experience presenting to a credit committee. Hybrid role: four days in office, one day from home, with a clear path to leadership and

Qualifications

• 5+ years underwriting experience in bridging/development finance.
• Experience presenting cases to credit committee.
• Strong grasp of valuations, exit strategies, and risks in short-term property lending.
• Background in buy-to-let or residential mortgage underwriting is a plus.
• CeMAP or equivalent preferred; leadership/management qualification is a plus.

Responsibilities

• Underwrite regulated and unregulated bridging loans on residential and semi-commercial property, including auction purchases and refurbishment.
• Assess development finance and development exit proposals, reviewing build costs, GDV, programme and exit strategy with monitoring surveyors.
• Sanction cases within your personal mandate (typically up to £750k) and write clear credit papers for cases going to the weekly credit committee.
• Review valuations, borrower experience, assets and liabilities, and how strong the exit is (sale or refinance).
• Manage a live pipeline end to end with brokers, valuers and solicitors, keeping turnaround tight without compromising credit quality.
• Quality-check the work of underwriters and case managers, and share knowledge across the team.
• Make sure lending meets credit policy, regulatory requirements and Consumer Duty outcomes.

Skills

Underwriting experience

Credit committee presentation

Valuations knowledge

Broker liaison

Commercial mindset

Education

CeMAP or equivalent

Leadership qualification

Job description

Senior Bridging & Development Underwriter Hertfordshire (4 days in the office, 1 from home) | £60,000 - £70,000 + bonus | Permanent

The role

• Underwrite regulated and unregulated bridging loans on residential and semi-commercial property, including auction purchases and light and heavy refurbishment
• Assess development finance and development exit proposals, reviewing build costs, GDV, programme and exit strategy with monitoring surveyors
• Sanction cases within your personal mandate (typically up to £750k) and write clear credit papers for cases going to the weekly credit committee
• Review valuations, borrower experience, assets and liabilities, and how strong the exit is (sale or refinance)
• Manage a live pipeline end to end with brokers, valuers and solicitors, keeping turnaround tight without compromising credit quality
• Quality-check the work of underwriters and case managers, and share knowledge across the team
• Make sure lending meets credit policy, regulatory requirements and Consumer Duty outcomes

About you

• 5+ years' underwriting experience in bridging and/or development finance at a specialist lender or bank
• Comfortable holding a personal mandate and presenting cases to credit committee
• A strong grasp of valuations, exit strategies and the risks specific to short-term property lending
• A background in buy-to-let or residential mortgage underwriting is an advantage
• CeMAP or equivalent preferred, and a leadership or management qualification is a plus
• Commercially minded, organised and confident dealing with brokers and professional partners

What's on offer

• Salary of £50,000 - £70,000 depending on experience
• Hybrid working: four days a week in the Hertfordshire office and one day from home
• Pension and wider benefits package
• A senior role in a growing lender, with scope to progress into underwriting leadership