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For Companies At a Glance
- Tasks: Underwrite loans and assess borrower quality in a hands-on role.
- Company: Fast-growing UK specialist property lender with a focus on innovation.
- Benefits: Competitive salary, hybrid working, and real influence over credit decisions.
- Why this job: Join a dynamic team and make impactful credit decisions in property lending.
- Qualifications: 2+ years underwriting experience and strong knowledge of UK property markets.
- Other info: Great opportunity for career growth in a scaling business.
The predicted salary is between 36000 - 60000 £ per year.
A fast-growing UK specialist property lender is looking to hire an experienced Bridging & Refurbishment Loan Underwriter to take ownership of credit assessment across new lending opportunities.
This is a core role within a lean, commercially focused business, offering genuine influence over credit decisions and portfolio quality. The position is hands-on and judgment-led, rather than process-driven.
Key Responsibilities
- Underwrite UK bridging, refurbishment, and commercial property loans
- Assess borrower quality, exit strategy, valuations (MV/OMV/GDV), and refurbishment costs
- Structure loans, setting LTV/LTC/GDV, pricing, drawdowns, and conditions
- Identify key risks and mitigants for credit approval
- Liaise with brokers, valuers, solicitors, and surveyors through to completion
- Support post-completion matters including extensions and variations
- Produce clear, concise credit papers and flag early risk issues
Requirements
Essential
- 2+ years’ experience underwriting UK bridging/refurbishment loans
- Strong knowledge of UK property markets, valuations, and development risk
- Comfortable with non-standard assets and limited information
- Commercial but downside-focused credit judgment
Desirable
- Background in private credit, specialist lenders, challenger banks, or debt funds
- Exposure to refurbishment monitoring or recoveries
Personal Attributes
- Confident challenging brokers and borrowers
- Detail-oriented with strong commercial awareness
What’s on Offer
- Real influence over credit decisions
- Competitive salary and progression
- Opportunity to grow with a scaling specialist lender
Salary is dependent on experience and hybrid working is available.
Should you have any questions or wish to apply please do not hesitate to contact Clear IT Recruitment Limited.
Please Note: Due to the number of applications we receive we may be unable to respond to every application directly. If you have not heard from us within 3 working days please assume your application has been unsuccessful.
Underwriter employer: Clear IT Recruitment
Contact Detail:
Clear IT Recruitment Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter
✨Tip Number 1
Network like a pro! Reach out to industry contacts, attend property finance events, and join relevant online forums. The more people you know in the bridging and refurbishment loan space, the better your chances of landing that underwriter role.
✨Tip Number 2
Show off your expertise! When you get the chance to chat with potential employers or during interviews, make sure to highlight your experience with UK property markets and your ability to assess borrower quality. We want to see your confidence shine through!
✨Tip Number 3
Prepare for those tricky questions! Brush up on your knowledge of credit assessment and risk management. Be ready to discuss how you've tackled challenges in previous roles, especially when it comes to non-standard assets and limited information.
✨Tip Number 4
Apply through our website! We love seeing applications come directly from candidates who are genuinely interested in joining our team. Plus, it gives you a better chance to stand out in the crowd. Don't miss out on this opportunity!
We think you need these skills to ace Underwriter
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience with UK bridging and refurbishment loans, and don’t forget to showcase your strong knowledge of property markets. We want to see how you fit into our world!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're the perfect fit for this hands-on, judgment-led role. Share specific examples of your credit assessment experience and how you've tackled challenges in the past.
Showcase Your Commercial Awareness: We love candidates who understand the bigger picture! In your application, demonstrate your commercial awareness and downside-focused credit judgment. This will show us that you can make informed decisions that align with our business goals.
Apply Through Our Website: Don’t forget to apply through our website! It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our team at StudySmarter!
How to prepare for a job interview at Clear IT Recruitment
✨Know Your Numbers
As an Underwriter, you'll need to be comfortable with figures. Brush up on your understanding of LTV, LTC, GDV, and how they impact loan structuring. Be ready to discuss specific examples from your past experience where you successfully assessed these metrics.
✨Showcase Your Risk Assessment Skills
Prepare to talk about how you've identified risks in previous underwriting roles. Think of a few scenarios where you had to challenge brokers or borrowers and how you mitigated those risks. This will demonstrate your commercial awareness and judgment.
✨Familiarise Yourself with the Market
Make sure you're up-to-date with the latest trends in the UK property market. Research recent developments in bridging and refurbishment loans, and be prepared to discuss how these trends could affect lending decisions. This shows your proactive approach and genuine interest in the field.
✨Communicate Clearly
Since you'll be producing credit papers, practice summarising complex information concisely. During the interview, focus on articulating your thought process clearly when discussing credit assessments. This will highlight your detail-oriented nature and ability to convey important information effectively.
