Credit Risk Underwriter - Bridging & Buy-to-let

Meaningful 2nd Line credit authority | £1m–£35m specialist lending exposure | Hybrid working | Influence credit policy and portfolio risk

If you’re an experienced Underwriter – Specialist Mortgages & Bridging Finance looking to move beyond transactional underwriting, this role gives you genuine credit authority within a 2nd Line Credit Risk function. You’ll assess and sanction specialist property lending proposals typically ranging from £1m to £35m.

Alongside individual credit decisions, you’ll gain broader exposure to portfolio reviews, credit policy and lending assurance, working closely with senior Credit Risk stakeholders and Credit Committee.

Package & Benefits

• Salary of £65,000–£70,000 per annum.
• Hybrid working, with a minimum 50% of each month based in the head office.
• Monday to Friday working hours, typically 9am–5.30pm.

About the Company You’ll join an established specialist lender operating within a regulated environment. The business places clear emphasis on sound risk management, good customer outcomes and an inclusive culture where colleagues are expected to contribute to continuous improvement.

Key Responsibilities

• Sanction specialist mortgage and bridging finance proposals within your delegated lending authority, ensuring decisions align with the Credit Risk Management Framework.
• Assess complex lending proposals and present clear credit recommendations to senior management and Credit Committee where required.
• Support portfolio reviews, credit risk monitoring and deep-dive investigations across specialist mortgages and bridging finance.
• Contribute to credit policy development, lending assurance and improvements to credit risk and sanctioning processes.

About You

• At least two years’ recent experience in credit risk underwriting and sanctioning.
• Experience across specialist mortgages, including Buy to Let, HMO and real estate bridging finance.
• Strong working knowledge of credit risk assessment, risk grading and relevant property lending markets.

If you’re interested in taking on broader 2nd Line credit responsibility, we’d be happy to discuss the role even if your CV isn’t fully up to date. Contact Fintelligent for more information or a confidential discussion