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- Tasks: Assess and structure bridging finance applications, making credit decisions and supporting brokers.
- Company: Dynamic finance company focused on innovative lending solutions.
- Benefits: Competitive salary, performance bonuses, and opportunities for career progression.
- Other info: Fast-paced environment with direct exposure to senior decision-makers.
- Why this job: Shape underwriting standards and make impactful decisions in a growing team.
- Qualifications: Experience in underwriting, strong understanding of the UK property market, and excellent communication skills.
The predicted salary is between 40000 - 50000 £ per year.
You will assess and structure non-regulated first charge bridging cases from application through to completion. You will apply a clear credit framework, price for risk, and support brokers with decisive feedback. You will focus on residential bridging at launch, with scope to expand into wider products.
Key Responsibilities
- Assess new applications, review full case packs, and make credit decisions within mandate
- Structure deals to balance risk, pricing, and certainty of execution
- Apply valuation policy, select appropriate valuation route, and challenge outputs where needed
- Analyse exit strategies, cash flow, and borrower strength
- Set and agree loan terms including FTV, pricing, and conditions
- Work closely with colleagues, valuers, solicitors, and brokers to drive cases to completion
- Provide clear rationale for approvals, declines, and referrals
- Monitor pipeline, prioritise cases, and manage turnaround times
- Support development of credit policy, risk appetite, and underwriting standards
- Contribute to MI reporting, including conversion rates, declines, and risk trends
- Escalate complex or high-risk cases to MD or credit committee where required
Credit Scope
- Non-regulated first charge residential bridging
- Typical loan size around £300k, up to £3m
- FTV up to 75 percent, with tighter limits based on risk
- Standard term up to 12 months
- Focus on credible exits, mainly sale or refinance
Skills and Experience
- Proven underwriting experience in bridging finance or specialist property lending
- Strong understanding of UK property market and valuation methods
- Ability to assess risk across borrower, asset, and exit
- Confident making decisions and defending them
- Experience working with brokers and managing relationships
- Clear written and verbal communication
- Strong organisation and pipeline management
- Experience in underwriting finance products (Mortgages, Personal Credit, Insurance etc.) within a mandate
- Knowledge of Shariah compliant finance structures such as Murabaha
- Exposure to bridging, development or semi-commercial finance
What You Will Bring
- Commercial judgement, you know when to support a deal and when to walk away
- Consistency, you apply policy but use judgement where needed
- Pace, you keep cases moving without cutting corners
- Accountability, you own your decisions and outcomes
What We Offer
- Opportunity to shape underwriting standards from launch and going forwards
- Direct exposure to senior decision making
- Clear progression as the lending book grows
- Competitive salary and performance related bonus
Next Step: Apply with your CV or contact us directly for a confidential discussion.
Underwriter employer: Gatehouse Capital
Contact Detail:
Gatehouse Capital 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 events, and join relevant online groups. The more people you know in the bridging finance world, the better your chances of landing that underwriter role.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of the UK property market and valuation methods. Be ready to discuss how you assess risk and make credit decisions, as these are key skills for the job.
✨Tip Number 3
Showcase your decision-making skills! In interviews, share examples of when you've had to defend your credit decisions or manage relationships with brokers. This will demonstrate your confidence and accountability.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take the initiative to connect directly with us.
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 in bridging finance and any relevant skills that match the job description. We want to see how your background aligns with what we're looking for!
Showcase Your Decision-Making Skills: In your application, emphasise your ability to make confident decisions and defend them. We value commercial judgement, so share examples of when you've successfully assessed risk and structured deals.
Be Clear and Concise: When writing your application, clarity is key! Use straightforward language and get straight to the point. We appreciate clear communication, so make sure your rationale for decisions shines through.
Apply Through Our Website: We encourage you to apply directly 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 you're keen to join our team!
How to prepare for a job interview at Gatehouse Capital
✨Know Your Numbers
Brush up on your understanding of the UK property market and valuation methods. Be ready to discuss specific examples of how you've assessed risk in previous roles, especially in bridging finance. This will show that you’re not just familiar with the theory but can apply it practically.
✨Showcase Your Decision-Making Skills
Prepare to talk about past decisions you've made in underwriting. Highlight instances where you had to balance risk and pricing, and be ready to defend your choices. This demonstrates your commercial judgement and accountability, which are key for this role.
✨Build Rapport with Brokers
Since you'll be working closely with brokers, think of ways to illustrate your experience in managing these relationships. Share anecdotes that showcase your clear communication skills and how you’ve supported brokers in the past, as this will resonate well with the interviewers.
✨Organise Your Pipeline Management
Be prepared to discuss how you prioritise cases and manage turnaround times. Bring examples of how you've successfully kept cases moving without compromising quality. This will highlight your organisational skills and ability to work efficiently under pressure.