Junior Underwriter

Fintelligent Search Ltd; Coatbridge; Hybrid; GBP 30,000 - 35,000; Full time

Benefits offered by this job

Annual bonus

Loyalty bonus

Pension scheme

Flexible working

Progression opportunities

20 days leave + bank holidays

Job summary

Fintelligent Search Ltd. in Coatbridge are hiring a Junior Underwriter to develop credit assessment skills within a growing specialist property lender. Salary £30,000 - £35,000 with opportunities to progress and an annual bonus.

You will work with experienced underwriters on residential, commercial and bridging finance, moving beyond administration to independently underwriting lending applications and learning the full loan lifecycle.

Qualifications

• Experience in financial services or loan processing is preferred.
• Familiarity with bridging finance or property-backed lending is beneficial.
• Willingness to learn and develop underwriting skills.

Responsibilities

• Support assessment of bridging finance applications and verify borrower information.
• Review valuations and credit searches to identify lending risks.
• Manage cases from initial assessment to completion with brokers and solicitors.
• Develop underwriting knowledge across first and second charge lending.

Skills

Credit assessment

Underwriting support

Financial services

Loan processing

Job description

Are you working in loan processing, case management or underwriting support and looking to take the next step? This Junior Underwriter role in Coatbridge offers the chance to develop your credit assessment skills within a growing specialist property lender, with a salary of 30,000 - 35,000.

You’ll work closely with experienced underwriters, gaining exposure to varied property-backed transactions, including residential, commercial and semi-commercial bridging finance. Rather than remaining in a purely administrative role, you’ll develop the technical knowledge and confidence to progress towards independently underwriting lending applications.

Package & Benefits

• Salary of 30,000 - 35,000 per annum.
• Annual bonus and annual salary review.
• Loyalty bonus.
• 20 days' annual leave plus bank holidays and two weeks off at Christmas.
• Flexible working.
• Pension scheme.
• Progression opportunities within a growing business.

About the Company

You’ll be joining a growing specialist bridging finance lender with a relationship-led approach to property funding. The business offers a collaborative environment where you’ll work directly with experienced lending professionals and develop your understanding of the full loan lifecycle.

Key Responsibilities

• Support the assessment of bridging finance applications, reviewing borrower information, property security, LTV calculations and proposed exit strategies.
• Review valuations, credit searches and supporting documentation, identifying potential lending risks and assisting with credit recommendations.
• Manage allocated cases from initial assessment through to completion, liaising with brokers, solicitors, valuers and internal teams.
• Develop your underwriting knowledge across first and second charge lending while maintaining accurate credit records and supporting efficient lending decisions.

About You

• Previous experience in financial services, property finance, loan processing, case management or underwriting support.
• Experience reviewing financial information, loan documentation or supporting lending applications.
• Exposure to bridging finance, buy-to-let, commercial mortgages or other property-backed lending would be beneficial, although previous underwriting experience is not essential.

If you’re looking to move beyond loan administration and build a long-term career in specialist property finance, we’d be keen to hear from you, even if your CV isn’t fully up to date.