Underwriter

Search; England; On-site; GBP 60,000 - 80,000; Full time

Job summary

A financial services business in Wilmslow is looking for an Underwriter to assess bridging loan applications and conduct thorough due diligence. The successful candidate will have previous experience in underwriting, strong communication skills, and the ability to manage multiple cases under tight deadlines. This role offers a competitive salary and various benefits such as 24 days holiday plus bank holidays and health plans, creating a supportive work environment.

Benefits

24 days holiday plus bank holidays

Birthday day off

Health cash plan

24-hour colleague assistance helpline

Team social events

Close proximity to train station

Qualifications

• Previous underwriting experience with a short-term finance lender would be beneficial.
• Strong organisational and communication skills.
• Confidence in liaising with brokers and clients.

Responsibilities

• Reviewing and assessing new bridging loan applications.
• Conducting thorough due diligence and risk analysis.
• Making lending decisions and preparing credit papers.
• Collaborating with stakeholders to ensure smooth deal progression.
• Maintaining accurate records of all case activity.

Skills

Organisational skills

Communication skills

Ability to thrive under pressure

Experience in Financial Services

Experience in Bridging

Experience in property

Job description

Underwriter

Location: Wilmslow
Hours: Monday - Friday, 09:00 - 17:30 (37.5 hours per week)
Start date - ASAP
Salary: Very competitive

About the Role

We are a fast-growing financial services business specialising in bridging finance for residential, semi-commercial, and commercial properties. Our mission is to provide flexible, reliable solutions tailored to each client's needs.

Benefits

• 24 days holiday plus bank holidays (increases to 25 after 1 year)
• Birthday day off
• Give Back Day for family events
• Health cash plan
• 24‑hour colleague assistance helpline
• Team social events and trips
• Close proximity to train station

Key Responsibilities

• Application Assessment: Reviewing and assessing new bridging loan applications to ensure they meet the company's lending criteria.
• Due Diligence & Risk Analysis: Conducting thorough due diligence, which involves analysing financial documents, credit reports, property valuations, and legal documentation. This includes assessing the borrower's profile, the asset's value, and the viability of the exit strategy.
• Decision Making: Making lending decisions within an individual mandate level or preparing detailed credit papers and presenting cases to the credit committee for approval.
• Stakeholder Liaison: Collaborating and maintaining clear communication with various stakeholders, including brokers, solicitors, valuers, and internal sales/operations teams, to ensure smooth deal progression.
• Documentation & Record Keeping: Preparing and reviewing offer letters, ensuring all pre‑completion conditions are met, and maintaining accurate and comprehensive records of all case activity in loan management systems.
• Pipeline Management: Managing a personal pipeline of cases efficiently, prioritising tasks to meet tight deadlines and service level agreements (SLAs).
• Process Improvement: Identifying opportunities to enhance underwriting processes, improve turnaround times, and contribute to the overall efficiency of the lending function.
• Providing guidance and support to junior underwriters and assisting in their development.
• Compliance.

What We're Looking For

• Previous underwriting experience with a short-term finance lender would be beneficial.
• Number of years underwriting experience.
• Strong organisational and communication skills.
• Ability to thrive under pressure and meet deadlines.
• Confidence in liaising with brokers and clients.
• Experience in either Financial Services, Bridging, property.

Please apply today if you have the required experience.

Search is an equal opportunities recruiter and we welcome applications from all suitably skilled or qualified applicants, regardless of their race, sex, disability, religion/beliefs, sexual orientation or age.