Underwriter

Northreach; Liverpool; On-site; GBP 40,000 - 60,000; Full time

Job summary

A recruitment agency is seeking an experienced Bridging Finance Underwriter to join a high-performing underwriting team in Liverpool. The role involves managing the lending process from application to drawdown and requires proven underwriting experience along with strong analytical and communication skills. Ideal candidates thrive in fast-paced environments and enjoy engaging with various stakeholders to deliver prompt lending decisions.

Qualifications

• Proven underwriting experience within bridging or specialist lending.
• Strong understanding of property-based lending and risk assessment.
• Ability to manage a busy caseload with accuracy.

Responsibilities

• Manage the full lending process from application to drawdown.
• Assess bridging loan applications and analyze creditworthiness.
• Prepare detailed credit proposals for Credit Committee.

Skills

Underwriting experience within bridging or specialist lending

Strong understanding of property-based lending

Excellent communication skills

Analytical mindset

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

We're supporting a growing specialist lender in their search for an experienced Bridging Finance Underwriter. This is a fantastic opportunity to join a high‑performing underwriting team where you'll take ownership of cases from initial application through to completion, playing a key role in delivering fast and commercial lending decisions.

If you thrive in a fast‑paced lending environment and enjoy working closely with brokers, solicitors, valuers, and internal stakeholders, this role offers both variety and progression.

What You'll Do

As Underwriter, you'll manage a diverse caseload, applying sound judgement and analytical thinking to deliver high‑quality underwriting decisions.

Key responsibilities include:

• Managing the full lending process from application to drawdown
• Assessing bridging loan applications and analysing creditworthiness
• Preparing detailed credit proposals for Credit Committee
• Reviewing valuation reports and due diligence documentation
• Drafting offer documents and ensuring conditions are satisfied pre‑completion
• Liaising with brokers, solicitors, valuers, surveyors and internal teams to progress cases
• Maintaining accurate CRM records and producing reports when required
• Managing expectations professionally and providing updates to all stakeholders
• Supporting continuous improvement across underwriting processes

What You'll Bring

• Proven underwriting experience within bridging or specialist lending
• Strong understanding of property‑based lending, B2B underwriting and risk assessment
• Excellent communication and stakeholder management skills
• Ability to manage a busy caseload while maintaining accuracy and attention to detail
• Analytical mindset with the confidence to make informed decisions
• A proactive, problem‑solving mentality and a commitment to great customer outcomes
• Ability to thrive in a fast‑paced, collaborative team environment

Nice to Have

• Experience in financial services operations or specialist lending environments
• Exposure to both regulated and unregulated lending
• Appetite to learn, grow and contribute to process improvements

Why Join?

You'll join a people‑focused lender with a strong culture, modern working approach, and commitment to employee wellbeing. Expect a supportive environment, opportunities to develop, and the chance to play a significant role in the continued growth of the underwriting function