Underwriter

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

Job summary

A progressive finance firm in Wilmslow is seeking an Underwriter to assess new bridging loan applications and ensure compliance with lending criteria. The successful candidate will manage a personal pipeline and work closely with brokers to deliver outstanding service. Key skills include strong communication, organizational skills, and previous underwriting experience in financial services. This role offers competitive salary and attractive benefits, including generous holiday allowance and team events.

Benefits

24 days holiday plus bank holidays

Birthday day off

Give Back Day

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.
• Experience in Financial Services, Bridging, or property.

Responsibilities

• Review new bridging loan applications to meet lending criteria.
• Conduct thorough due diligence and risk analysis.
• Make lending decisions or prepare credit papers for approval.
• Collaborate with brokers and internal teams for smooth deal progression.
• Maintain accurate records of case activity.
• Manage a personal pipeline of cases efficiently.
• Identify opportunities for process improvement.
• Provide guidance to junior underwriters.

Skills

Strong organisational skills

Communication skills

Ability to thrive under pressure

Confidence in liaising with brokers and clients

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, analysing financial documents, credit reports, property valuations, and legal documentation; assessing the borrower’s profile, the asset value, and viability of the exit strategy.
• Decision Making: Making lending decisions within 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 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 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 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.