Bridging Underwriter

Job title: Bridging Underwriter\\n\\nLocation: Remote\\n\\nSalary: Up to £50,000 per annum (depending on experience)\\n\\nHours: Monday to Friday, 9 am to 5:30 pm\\n\\nBenefits:\\n\\n25 days annual leave, plus bank holidays; increasing by 1 day per year worked, up to a maximum 30 days\\nOption to buy/sell up to 3 days' holiday\\nDeath in Service at 4 x salary (from day one of employment)\\n5-year, 10-year and 15-year excellent service awards\\nCar parking (limited onsite or, if offsite, cost of parking refunded)\\nEmployee Assistance Programme\\nActive charity support (non-mandatory)\\nMonthly mindfulness sessions\\nComplimentary Christmas/summer parties/Team evenings and social events\\nCompany BBQs on HQ sun terrace\\nDaily fruit bowl, healthy snacks, and coffee machine/tea\\nPaddleboards for free hire/Office table tennis.\\nWorkplace pension scheme About the Role of Bridging Underwriter:\\n\\nAs a Bridging and Refurbishment Underwriter, you will be responsible for assessing, structuring, and managing short-term property finance applications, underwriting bridging and refurbishment loans in line with the company's credit policy, lending criteria, and risk appetite. Candidates should have proven experience in bridging and/or refurbishment lending, with a minimum of two years' underwriting experience within specialist property finance preferred.\\n\\nResponsibilities for the position of Bridging Underwriter:\\n\\nReview and underwrite bridging and refurbishment finance applications from initial enquiry through to completion.\\nConduct full risk assessments, including borrower background checks, asset analysis, exit strategy, credit history, and AML compliance.\\nAnalyse and assess valuation reports, contractor quotes, cost schedules, and development appraisals to ensure project viability.\\nLiaise with solicitors, brokers, valuers, borrowers, and internal teams to progress applications efficiently and accurately.\\nWork closely with surveyors and asset managers to assess the feasibility of refurbishment projects and monitor works.\\nIdentify, assess, and mitigate risks relating to borrowers, property, legal, or market exposure.\\nPresent complex cases with clarity to credit or risk committees, making lending recommendations within delegated authority.\\nEnsure adherence to internal policies, underwriting standards, and AML requirements.\\nMaintain accurate and timely records within internal systems, ensuring effective audit trails.\\nSupport continuous improvement by providing feedback on lending criteria, operational processes, and risk management.Experience required for the position of Bridging Underwriter:\\n\\nMinimum of 2 years' experience underwriting short-term bridging loans and/or refurbishment finance.\\nStrong understanding of property valuations, legal conveyancing, and development/refurbishment cost assessments.\\nGood working knowledge of AML, KYC, and due diligence practices.\\nCommercial acumen with the ability to assess deals beyond standard "tick-box" underwriting.\\nProficient in interpreting financial statements, credit reports, and legal documentation.For more information regarding the role of Bridging Underwriter, please contact us.\\n\\nStellar Select is acting as an employment agency and is a corporate member of the REC.\\n\\nDue to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days