Real Estate Finance

Senior Credit Risk Underwriter - Bridging & Buy-to-let

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Salary Icon£90,000 - £95,000 - Per Year
Job Type IconPermanent
Job Reference#37519

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

If you’re an experienced Senior Credit Risk Underwriter looking for greater influence over complex property lending decisions, this role offers genuine senior-level responsibility within a 2nd Line Credit Risk function. You’ll assess and sanction specialist mortgage and bridging proposals, with typical facilities ranging from £1m to £35m.

As Senior Credit Risk Underwriter, your influence will extend beyond individual transactions. You’ll contribute to portfolio oversight, credit policy and lending assurance while working closely with senior Credit Risk stakeholders and Credit Committee.

Package & Benefits
• Salary of £90,000–£95,000 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, with a clear focus on responsible lending, effective risk management and good customer outcomes.

Key Responsibilities
• Assess and sanction complex specialist mortgage and bridging finance proposals within delegated lending authority.
• Provide clear credit recommendations to senior management and Credit Committee on transactions requiring further approval.
• Support portfolio reviews, credit risk monitoring, deep-dive investigations and lending decision assurance activity.
• Influence the development of credit policies, frameworks and sanctioning processes across specialist property lending.

About You
• Significant recent experience in credit risk underwriting and sanctioning within specialist property finance.
• Strong experience across Buy to Let, HMO and real estate bridging finance.
• Demonstrable experience assessing complex credit proposals and operating within delegated lending authority.

If you’re considering a Senior Credit Risk Underwriter position where you can have broader influence over credit decisions and risk management, we’d be happy to speak even if your CV isn’t fully up to date. Contact Fintelligent for more information or a confidential discussion.

Contact us
Tom Simpson
Divisional Manager
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