Underwriter - Specialist Property Finance

Are you an experienced Specialist Finance Underwriter ready to take on a senior role where your expertise genuinely shapes lending decisions?

If you're looking to join a fast-growing lender with strong funding lines and a commitment to delivering first‑class service across the property finance sector, this opportunity offers real influence, clear progression and the chance to underwrite complex, high‑value real estate and specialist finance cases every day.

You’ll be joining a well‑established specialist property finance lender with a strong reputation for speed, service and reliability. Operating across real estate and specialist finance, the business partners with brokers, developers and investors throughout the UK. With substantial funding behind them and ambitious growth plans, they offer a stable, forward‑thinking environment where experienced professionals can thrive.

As a Senior Underwriter / Head of Underwriting, you’ll play a central role in assessing, structuring and underwriting real estate and specialist finance cases from enquiry through to completion. This is a senior, high‑responsibility position where you will work closely with brokers, valuers, solicitors and internal teams to ensure each case is rigorously assessed and delivered with accuracy and pace. Secondary experience in other roles across the property finance sector is welcomed and highly valued, though it is not essential.

• Underwrite real estate and specialist finance cases, ensuring all credit, risk and AML requirements are fully met.
• Conduct detailed analysis of borrower financials, project viability, exit strategies and security.
• Review valuations, QS reports, cost schedules and development or investment appraisals.
• Work closely with the Credit Committee, presenting cases with clarity, accuracy and commercial awareness.
• Liaise with brokers, solicitors and external stakeholders to drive cases efficiently through to completion.
• Ensure all underwriting decisions adhere to lending policy, regulation, AML standards and internal procedures.
• Identify potential risks early and provide practical, commercially driven solutions.
• Support ongoing portfolio monitoring by reviewing progress reports, drawdowns and project performance.

• Competitive salary and bonus scheme.
• Modern office environment in Altrincham with flexible working options.
• Long‑term career progression as a senior figure within a growing lender.

• Proven experience underwriting real estate and specialist finance cases.
• Strong understanding of appraisals, cost plans, valuations and QS reporting.
• Solid AML and KYC knowledge with the ability to interpret complex structures.
• Experience in a senior underwriting or risk role with the ability to make autonomous, evidence‑based decisions.
• Confident communicator and trusted advisor to brokers, developers and senior leadership.
• Highly organised, detail‑oriented and capable of managing a high volume of complex cases.
• Secondary experience in other roles within the property finance industry desirable but not essential.

Join a well‑funded, fast‑growing lender that prioritises quality underwriting over volume and gives you the autonomy to shape genuinely complex, high‑value real estate and specialist finance cases. Take on a senior, strategic role, influence decision‑making and become a trusted partner in a business investing heavily in its future.

Seniority level:
Mid‑Senior

Employment type:

Full‑time
Job function:
Quality Assurance, Finance and Administrative
Industries:
Financial Services, Real Estate and Loan Brokers