Senior Property Finance Underwriter

Northreach; St Albans; On-site; GBP 50,000 - 70,000; Full time

Job summary

A dynamic recruitment agency is searching for a Senior Property Finance Underwriter to support credit decision-making on property-backed lending. This role combines hands-on underwriting with oversight responsibilities and requires strong stakeholder management skills. Candidates should have senior underwriting experience, a good understanding of UK lending practices, and a high level of attention to detail. This position offers the chance to contribute to important governance and continuous improvement initiatives in a collaborative environment.

Qualifications

• Senior underwriting experience within specialist or property finance.
• Strong understanding of credit risk, property security and UK lending practices.
• High level of accuracy and attention to detail.

Responsibilities

• Underwrite and approve property-backed lending applications.
• Maintain oversight of pipeline quality and service levels.
• Review and challenge valuations and legal due diligence.

Skills

Senior underwriting experience within specialist or property finance

Strong understanding of credit risk

Ability to make balanced lending decisions

High level of accuracy and attention to detail

Confident stakeholder management

Job description

Northreach is a dynamic recruitment agency that connects businesses with top talent in financial services, fintech, and digital sectors. We specialize in providing a seamless recruitment experience for clients and candidates, fostering innovation and professional growth.

The opportunity

Northreach is working with a specialist property lender seeking a Senior Property Finance Underwriter to support credit decision‑making across its short‑term lending portfolio. This role combines hands‑on underwriting with broader responsibility for pipeline oversight and underwriting standards. You will work closely with senior stakeholders across underwriting, sales and risk, contributing to consistent credit quality and efficient deal execution.

Key responsibilities

• Underwrite and approve property-backed lending applications within delegated authority
• Maintain oversight of pipeline quality, progression and service levels
• Review and challenge valuations, exits, and legal due diligence
• Engage with brokers, introducers and professional partners on active cases
• Support the development and refinement of underwriting processes
• Contribute to credit governance, reporting and continuous improvement initiatives

What we are looking for

• Senior underwriting experience within specialist or property finance
• Strong understanding of credit risk, property security and UK lending practices
• Ability to make balanced lending decisions in a commercial environment
• High level of accuracy and attention to detail
• Confident stakeholder management and clear communication skills

Apply via Northreach to discuss this opportunity confidentially