Job Description
A fast-growing UK specialist property lender is looking to hire a Senior 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
• 3+ 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
What's on Offer
• Real influence over credit decisions
• Competitive salary and progression
• Opportunity to grow with a scaling specialist lender
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.
