Underwriter – Bridging Finance

Fintellect Recruitment Limited; Altrincham; On-site; GBP 50,000 - 70,000; Full time

Job summary

A specialist property finance lender in South Manchester is seeking an experienced underwriter to join its growing team. You’ll assess bridging loan applications, balance credit quality with commercial opportunity, and work closely with brokers and internal stakeholders.

This role offers high visibility, autonomy and the chance to influence decisions in an entrepreneurial environment as the lender scales. Office-based role with strong leadership and a path for career progression.

Qualifications

• Experience in bridging finance or commercial property lending.
• Strong underwriting and risk assessment skills.
• Ability to balance credit quality with commercial opportunity.
• Excellent relationship management and communication skills.
• Proactive approach and willingness to contribute beyond role.

Responsibilities

• Assessing and underwriting bridging loan applications
• Reviewing valuation and surveyor reports
• Evaluating risk, security and deal structure
• Building relationships with brokers and introducers
• Supporting portfolio performance and risk management
• Monitoring market trends and identifying new business opportunities
• Collaborating with leadership on growth initiatives

Skills

Bridging finance

Underwriting

Risk assessment

Relationship mgmt

Communication

Job description

Looking for an underwriting role where you'll have genuine influence, visibility and room to grow?

We're partnering with an established specialist property finance lender in South Manchester that is continuing to grow and invest in its people, products and lending capability. While the business has a strong track record and highly respected leadership team, it retains the agility, entrepreneurial spirit and collaborative culture often lost in larger organisations.

As an established lender with ambitious growth plans, this is an environment where good ideas are heard, achievements are recognised, and individuals enjoy far greater visibility and influence than they would in a larger institution.

Why this opportunity stands out

• Join an established but growing lender with ambitious plans


• High levels of autonomy and trust


• Significant internal visibility with direct access to senior decision-makers


• Excellent opportunity for career progression as the business continues to scale


• Exposure to all areas of the business, not just underwriting


• Office-based environment surrounded by talented colleagues and leaders every day


• Work directly alongside a highly experienced leadership team with an outstanding reputation in the market

The Role

You'll be responsible for assessing and underwriting bridging finance transactions, balancing strong credit judgement with commercial awareness to support profitable portfolio growth.

Working closely with brokers, borrowers and internal stakeholders, you'll play a key role in originating and structuring deals while helping the business continue its impressive growth trajectory.

Responsibilities include:

• Assessing and underwriting bridging loan applications


• Reviewing valuation, QS and monitoring surveyor reports


• Evaluating risk, security and deal structure


• Building strong relationships with brokers and professional introducers


• Supporting portfolio performance and risk management


• Monitoring market trends and identifying new business opportunities


• Working closely with leadership to support strategic growth initiatives

About You

We're keen to speak with individuals who have:

• Bridging finance or commercial property lending experience


• Strong underwriting and risk assessment skills


• The ability to balance credit quality with commercial opportunity


• Excellent relationship management and communication skills


• A proactive approach and desire to contribute beyond their immediate role

The Opportunity

This is a fantastic opportunity for someone who wants to join a business where they'll be trusted, visible and given every opportunity to develop their career. You'll work closely with an exceptional leadership team, gain exposure across the wider business, and play a meaningful role in the lender's next phase of growth.

For ambitious underwriters looking for a platform to develop professionally whilst making a genuine impact, opportunities like this don't come around often.