Underwriter - Bridging Finance

NRG Resourcing; Greater London; On-site; GBP 70,000 - 110,000; Full time

Benefits offered by this job

Bonus structure

Path to Head of Underwriting

Mentoring and development

Flexible working after probation

Strong long-term growth ambitions

Collaborative team culture

Job summary

NRG Resourcing is recruiting for a Bridging Finance Underwriter in London, a senior role with a clear path toward Head of Underwriting. You will evaluate a broad range of property-backed lending opportunities, influence underwriting standards, and collaborate with senior leadership to drive growth in the lending function.

Ideal candidates have extensive experience in bridging, specialist and development finance, with a results-driven, proactive mindset and the ability to lead as the business

Qualifications

• 5+ years' underwriting experience in bridging/specialist/property lending.
• Strong understanding of residential, semi-commercial and refurbishment lending.
• Experience reviewing HMOs, conversions and value-add projects.
• Confident in making lending recommendations and credit decisions.
• Detail-oriented with strong analytical skills.
• Commercial awareness and sound judgement.
• Ability to communicate effectively with brokers and borrowers.

Responsibilities

• Underwrite bridging and specialist property finance transactions.
• Assess residential, semi-commercial and conversion opportunities.
• Review borrower profiles, project viability and exit strategies.
• Analyse valuations, legal reports and supporting documentation.
• Present and justify lending decisions.
• Structure deals within lending criteria and risk appetite.
• Manage cases through to completion with operations colleagues.
• Identify and recommend improvements to underwriting procedures.
• Support development of underwriting policy and best practice.
• Help build and lead the underwriting function as the business grows.

Skills

Underwriting

Analytical skills

Leadership aspiration

Communication with brokers

Commercial judgement

Job description

Bridging Finance Underwriter | Property Finance | Future Head of Underwriting Opportunity

About the Company

A specialist property lender that has built its success on speed, expertise and intelligent lending decisions. With an established presence across bridging finance, refurbishment loans, auction purchases, HMOs, conversions and semi-commercial property transactions, the business is entering an exciting growth phase and is seeking an experienced Underwriter to help lead the journey.

For the right individual, this role offers a genuine pathway towards becoming Head of Underwriting within the next 12-18 months.

About the Role

This position is ideal for an experienced property finance professional who enjoys analysing transactions, making lending decisions and taking responsibility for outcomes.

You'll assess a broad range of straightforward and complex property-backed lending opportunities while working closely with senior leadership to shape underwriting standards and support the future growth of the lending function.

The successful candidate will become a key decision-maker within the business and play an instrumental role in scaling underwriting operations.

Key Responsibilities

• Underwrite bridging and specialist property finance transactions
• Assess residential, semi-commercial and conversion opportunities
• Review borrower profiles, project viability and exit strategies
• Analyse valuations, legal reports and supporting documentation
• Present and justify lending decisions
• Structure deals within agreed lending criteria and risk appetite
• Manage cases through to completion alongside operations colleagues
• Identify and recommend improvements to underwriting procedures
• Support the development of underwriting policy and best practice
• Help build and lead the underwriting function as the business grows

Package

• Salary depending on experience
• Exceptional performance-based bonus structure
• Clear route to Head of Underwriting
• Direct exposure to senior leadership and lending strategy
• Ongoing professional development and mentoring
• Flexible working options after probation
• Fast-growing business with strong long-term ambitions
• Collaborative and supportive team culture

Skills & Experience

• 5+ years' underwriting experience within bridging finance, specialist finance, development finance or property lending
• Strong understanding of residential, semi-commercial and refurbishment lending
• Experience reviewing HMOs, conversions and value-add property projects
• Confident making lending recommendations and credit decisions
• Detail-oriented with strong analytical skills
• Commercial awareness and sound judgement
• Ability to communicate effectively with brokers and borrowers
• Desire to progress into leadership responsibilities
• Ambitious, proactive and highly accountable mindset

Why Apply?

This position offers the platform to move beyond transaction management and become a recognised leader within a growing business. The company actively develops talent, values independent thinking and rewards individuals who contribute to its success.

If you're looking for a role that combines complex deal exposure, strong earning potential and a realistic leadership pathway, this is an exceptional opportunity to accelerate your career.