Bridging Underwriter

Job title: Bridging Underwriter

Location: Remote

Salary: Up to 50,000 per annum (depending on experience)

Hours: Monday to Friday, 9 am to 5:30 pm

• 25 days annual leave, plus bank holidays; increasing by 1 day per year worked, up to a maximum 30 days
• Option to buy/sell up to 3 days' holiday
• Death in Service at 4 x salary (from day one of employment)
• 5-year, 10-year and 15-year excellent service awards
• Car parking (limited onsite or, if offsite, cost of parking refunded)
• Employee Assistance Programme
• Active charity support (non-mandatory)
• Monthly mindfulness sessions
• Complimentary Christmas/summer parties/Team evenings and social events
• Company BBQs on HQ sun terrace
• Daily fruit bowl, healthy snacks, and coffee machine/tea
• Paddleboards for free hire/Office table tennis.
• Workplace pension scheme

As 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.

• Review and underwrite bridging and refurbishment finance applications from initial enquiry through to completion.
• Conduct full risk assessments, including borrower background checks, asset analysis, exit strategy, credit history, and AML compliance.
• Analyse and assess valuation reports, contractor quotes, cost schedules, and development appraisals to ensure project viability.
• Liaise with solicitors, brokers, valuers, borrowers, and internal teams to progress applications efficiently and accurately.
• Work closely with surveyors and asset managers to assess the feasibility of refurbishment projects and monitor works.
• Identify, assess, and mitigate risks relating to borrowers, property, legal, or market exposure.
• Present complex cases with clarity to credit or risk committees, making lending recommendations within delegated authority.
• Ensure adherence to internal policies, underwriting standards, and AML requirements.
• Maintain accurate and timely records within internal systems, ensuring effective audit trails.
• Support continuous improvement by providing feedback on lending criteria, operational processes, and risk management.

• Minimum of 2 years' experience underwriting short-term bridging loans and/or refurbishment finance.
• Strong understanding of property valuations, legal conveyancing, and development/refurbishment cost assessments.
• Good working knowledge of AML, KYC, and due diligence practices.
• Commercial acumen with the ability to assess deals beyond standard "tick-box" underwriting.
• Proficient in interpreting financial statements, credit reports, and legal documentation.

For more information regarding the role of Bridging Underwriter
, please contact us.

Stellar Select is acting as an employment agency and is a corporate member of the REC.

Due 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.