Commercial Lending Underwriter - Property

Fintellect Recruitment; Manchester; On-site; GBP 60,000 - 90,000; Full time

Job summary

Fintellect Recruitment Limited is partnering with an established commercial lender in South Manchester to recruit a Senior Underwriter. You’ll assess and underwrite CRE loan applications, balancing credit judgement with commercial opportunity, with direct access to senior decision-makers.

This role offers high autonomy, visibility across the business, and a clear path to progression as the lender expands. Office-based environment with experienced leadership and a culture that values practical

Qualifications

• Experience in commercial lending and underwriting.
• Strong ability to assess credit risk and deal structure.
• Proven relationship management and stakeholder liaison skills.

Responsibilities

• Assess and underwrite commercial real estate loan applications.
• Review valuation, QS and monitoring surveyor reports.
• Evaluate risk, security and deal structure.
• Build relationships with brokers and introducers.
• Support portfolio performance and risk management.
• Monitor market trends and identify new business opportunities.
• Work with leadership to support strategic growth initiatives.

Skills

Commercial lending experience

Underwriting

Credit risk assessment

Relationship management

Communication skills

Education

Bachelor's degree in finance or related field

Job description

Looking for an underwriting role where you'll have genuine influence, visibility and room to grow?

We're partnering with an established commercial lender in South Manchester that is continuing to grow and invest in its people, products and lending capability. While the business has a strong track record and highly respected leadership team, it retains the agility, entrepreneurial spirit and collaborative culture often lost in larger organisations.

As an established lender with ambitious growth plans, this is an environment where good ideas are heard, achievements are recognised, and individuals enjoy far greater visibility and influence than they would in a larger institution.

Why this opportunity stands out

• Join an established but growing lender with ambitious plans
• High levels of autonomy and trust
• Significant internal visibility with direct access to senior decision-makers
• Excellent opportunity for career progression as the business continues to scale
• Exposure to all areas of the business, not just underwriting
• Office-based environment surrounded by talented colleagues and leaders every day
• Work directly alongside a highly experienced leadership team with an outstanding reputation in the market

The Role

You’ll be responsible for assessing and underwriting commercial real estate transactions, balancing strong credit judgement with commercial awareness to support profitable portfolio growth.

Working closely with brokers, borrowers and internal stakeholders, you’ll play a key role in originating and structuring deals while helping the business continue its impressive growth trajectory.

Responsibilities include:

• Assessing and underwriting commercial real estate loan applications
• Reviewing valuation, QS and monitoring surveyor reports
• Evaluating risk, security and deal structure
• Building strong relationships with brokers and professional introducers
• Supporting portfolio performance and risk management
• Monitoring market trends and identifying new business opportunities
• Working closely with leadership to support strategic growth initiatives

About You

We’re keen to speak with individuals who have:

• Commercial lending experience – real estate or general trading, or a related area of commercial lending
• Strong underwriting and risk assessment skills
• The ability to balance credit quality with commercial opportunity
• Excellent relationship management and communication skills
• A proactive approach and desire to contribute beyond their immediate role

The Opportunity

This is a fantastic opportunity for someone who wants to join a business where they'll be trusted, visible and given every opportunity to develop their career. You’ll work closely with an exceptional leadership team, gain exposure across the wider business, and play a meaningful role in the lender’s next phase of growth.

For ambitious underwriters looking for a platform to develop professionally whilst making a genuine impact, opportunities like this don't come around often.