commercial loan underwriter

Nouvo Recruitment (London) Ltd

<p><strong>Title: </strong>Bridging Finance Underwriter</p><p><strong>Location:</strong> Hertfordshire</p><p><strong>Salary:</strong> Competitive + Bonus + Benefits</p><p><strong>Employment Type:</strong> Full-Time Permanent</p><p><strong>Start Date:</strong> ASAP</p><p>Do you have a strong background in <strong>bridging finance underwriting</strong> and a passion for fast-paced, deal-driven environments? We're looking for an experienced <strong>Underwriter</strong> to join our growing team and play a key role in assessing and managing short-term property finance applications.</p><p><strong>The Role:</strong></p><p>As a <strong>Bridging Underwriter</strong>, you'll take ownership of new and existing loan applications, ensuring each deal meets our lending criteria, mitigates risk appropriately, and moves smoothly from proposal to completion.</p><p><strong>Key Responsibilities:</strong></p><ul><li>Assess bridging loan applications from initial enquiry through to completion</li><li>Review credit reports, valuations, legal documents, and borrower profiles</li><li>Conduct in-depth due diligence on borrowers, assets, and exit strategies</li><li>Liaise with brokers, solicitors, valuers, and internal teams</li><li>Prepare and present credit reports to the credit committee</li><li>Ensure deals are underwritten in line with internal policy and regulatory standards</li><li>Provide support and guidance to junior underwriters (if applicable)</li></ul><p><strong>What We're Looking For:</strong></p><ul><li><strong>Proven experience underwriting bridging finance</strong> (essential)</li><li>Strong knowledge of the UK property market and lending regulations</li><li>Experience with both regulated and unregulated bridging (preferred)</li><li>Ability to assess risk, structure deals, and make commercial decisions quickly</li><li>Excellent attention to detail, communication, and negotiation skills</li><li>Confident working under pressure and to tight deadlines</li><li>Experience using loan management systems or CRM platforms</li></ul><p><em>Due to a very high number of applications we are unable to come back to every candidate with feedback. If you do not hear from us within 48 hours please assume that you have been unsuccessful on this occasion. Your CV will be registered with us and we will keep you updated with any other positions that may be of interest. However please keep checking our website as new roles will be updated daily, Nouvo Recruitment wishes you the best of luck in your job search.</em></p><p>Nouvo Recruitment (London) Ltd operate as an independent recruitment agency with over 20 years of experience supporting clients and candidates nationally across the UK.</p>

Bridging Finance Underwriter

Nouvo Recruitment

<p>Our client, a successful Finance company is looking for a Development Underwriter to join their team.</p> <p>The Development Underwriter is responsible for processing refurbishment and development finance applications where initial terms have been issued. The Underwriter must work together with the other members of the Underwriting team to ensure that loans are processed in accordance with the company's underwriting manual and lending policy. The Underwriter must use their skill and experience to approve those loans which are deemed acceptable and reject any which are unacceptable and represent a risk to the company.</p> <p>Key Responsibilities:</p> <ul> <li>Manage a pipeline of development cases for initial completions and subsequent drawdowns and prioritise accordingly</li> <li>Underwrite loan applications within company lending criteria by making quality lending decisions</li> <li>Manage completed development loans and keep in regular contact with borrowers to identify issues at any early stage and seek out future business opportunities</li> <li>Be vigilant when working on cases and refer where necessary to the appropriate person</li> <li>Always maintain a high level of communication with interested parties including brokers, applicants, surveyors and solicitors</li> <li>Maintain a high level of customer service with those internally and externally</li> </ul> <p></p> <p>Key Competencies:</p> <ul> <li>Strong experience of underwriting development finance loans, preferably including FCA regulated loans</li> <li>Experience managing people useful</li> <li>Excellent understanding of compliance aspects of the role including the regulatory environment and TCF principles</li> <li>Ability to adopt a pragmatic approach to underwriting</li> <li>Commercially aware</li> <li>Excellent interpersonal and communication skills</li> <li>Strong team player</li> </ul> <p>Due to a very high number of applications we are unable to come back to every candidate with feedback. If you do not hear from us within 48 hours please assume that you have been unsuccessful on this occasion. Your CV will be registered with us and we will keep you updated with any other positions that may be of interest. However please keep checking our website as new roles will be updated daily, Nouvo Recruitment London wishes you the best of luck in your job search.</p> <p>Nouvo Recruitment London operate as an independent recruitment agency with over 20 years of experience supporting clients and candidates nationally across the UK.</p>

Finance Development Underwriter

Clear IT Recruitment Limited

<p>My client is a leading specialist property finance provider seeking an experienced Bridging Underwriter to manage cases from initial application through to completion. This is an excellent opportunity to join a well-established lender with a strong reputation in the bridging and development finance market.</p><p></p><p>Overview of Role</p><p></p><p>The successful candidate will be responsible for underwriting and managing a pipeline of bridging loan cases, ensuring all applications meet lending criteria and regulatory standards. You will take full ownership of each case, from initial review to drawdown, working closely with internal teams, brokers, and solicitors to deliver a smooth and compliant lending process.</p><p></p><p>Key Responsibilities</p><p></p><p>• Underwrite and manage bridging loan applications from inception to completion</p><p>• Ensure all cases adhere to company lending criteria and underwriting guidelines</p><p>• Conduct thorough due diligence and assess risk effectively</p><p>• Liaise with brokers, solicitors, valuers, and internal departments to progress cases efficiently</p><p>• Instruct solicitors and issue relevant documentation once offers are made</p><p>• Maintain accurate and detailed case records throughout the process</p><p>• Manage pipeline effectively, prioritising workloads to meet deadlines</p><p>• Support colleagues across the underwriting team where required</p><p>• Act in line with Treating Customers Fairly (TCF) principles and responsible lending standards</p><p></p><p>Requirements</p><p></p><p>• Proven experience in bridging and/or development finance underwriting</p><p>• Strong understanding of FCA regulations and responsible lending principles</p><p>• Excellent communication and interpersonal skills</p><p>• Highly organised with exceptional attention to detail</p><p>• Ability to work under pressure and manage multiple cases simultaneously</p><p>• Proficient in Microsoft Office (Word, Excel, Outlook, PowerPoint)</p><p>• CeMAP qualification desirable but not essential</p><p></p><p>Personal Attributes</p><p></p><p>• Resilient, proactive, and adaptable in a fast-paced environment</p><p>• Confident and articulate communicator</p><p>• Strong team player with a professional and collaborative approach</p><p>• Committed to accuracy, compliance, and excellent customer service</p><p></p><p>Benefits & Opportunities</p><p></p><p>This is a great opportunity to join a respected and growing firm offering long-term career prospects, professional development, and a competitive salary and benefits package.</p><p></p><p></p><p>Should you have any questions or wish to apply please do not hesitate to contact Clear IT Recruitment Limited.</p><p></p><p>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.</p>

Santander Holdings USA Inc

<p>USA Underwriting & Portfolio Management IC6-3</p>Country: United States of America<p><b>Your Journey Starts Here:</b></p><p>Santander is a global leader and innovator in the financial services industry. We believe that our employees are our greatest asset. Our focus is on fostering an enriching journey that empowers you to explore diverse career opportunities while nurturing your personal growth. We are committed to creating an environment where continuous learning and development are prioritized, enabling you to thrive both professionally and personally. Here, you will find ample opportunities to connect and collaborate with talented colleagues from around the world, sharing insights and driving innovation together. Join us at Santander, where you are supported by a culture of engagement and a commitment to your success.</p><p>An exciting journey awaits, if you are interested in exploring the possibilities <b>We Want to Talk to You!</b></p><b>The Difference You Make:</b><br>The main function of the CIB Underwriting & Portfolio Management - IC6 is to assist the Underwriter(s) in analyzing, processing and packaging commercial loans.<br><br><ul><li>Collects, packages, reviews and reconciles loan application documents including financial/credit exhibits under various underwriting programs.</li><li>Orders and performs the preliminary review of all third party reports (appraisal, inspection and environmental) for compliance with guidelines.</li><li>Analyzes, interprets and underwrites complex transactions in compliance with respective agency guidelines.</li><li>Conducts detailed economic and demographic research to determine feasibility of transactions.</li><li>Assists the underwriter in preparing and presenting comprehensive loan approval package to credit committee.</li><li>Conducts inspections of physical assets.</li></ul><br><p><b>What You Bring:</b><br>To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.</p><ul><li>Bachelor's Degree or equivalent work experience: Finance, Accounting, Management, Economics or equivalent field. - Required.</li></ul><ul><li>3+ Years Related experience and/or training. - Required.</li></ul><ul><li>Excellent written and verbal communication skills.</li><li>Strong analytical skills and proficient with financial statements.</li><li>Ability to work in a fast paced environment with little supervision.</li><li>Ability to work well with others and on teams.</li><li>Demonstrated proficiency in Microsoft Office, including Word, Excel and PowerPoint.</li><li>Demonstrates strong judgment and sound credit skills.</li><li>Knowledge of Federal banking regulations.</li></ul><br><p><b>Certifications:</b></p><ul><li>No Certifications listed for this job.</li></ul><br><p><b>It Would Be Nice For You To Have:</b></p><ul><li>Established work history or equivalent demonstrated through a combination of work experience, training, military service, or education.</li><li>Experience in Microsoft Office products.</li></ul><p><b> What Else You Need To Know </b><b>:</b></p><p>The base pay range for this position is posted below and represents the annualized salary range. For hourly positions (non-exempt), the annual range is based on a 40-hour work week. The exact compensation may vary based on skills, experience, training, licensure and certifications and location.</p> <b><b>Base Pay Range</b></b> <p>Minimum:</p> $82,500.00 USD <p>Maximum:</p> $135,000.00 USD<p><b> Link to Santander Benefits: </b></p><p><u><b>Santander Benefits - 2025 Santander OnGoing/NH eGuide ()</b></u></p><p><b> Risk Culture: </b></p><p>We embrace a strong risk culture and all of our professionals at all levels are expected to take a proactive and responsible approach toward risk management.</p><p><b> EEO Statement: </b></p><p> At Santander, we value and respect differences in our workforce. We actively encourage everyone to apply. Santander is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, genetics, disability, age, veteran status or any other characteristic protected by law. <br><br><b> Working Conditions </b>:</p><p> Frequent minimal physical effort such as sitting, standing and walking is required for this role. Depending on location, occasional moving and lifting light equipment and/or furniture may be required . <br><br><b>Employer Rights:</b></p><p>This job description does not list all of the job duties of the job. You may be asked by your supervisors or managers to perform other duties. You may be evaluated in part based upon your performance of the tasks listed in this job description. The employer has the right to revise this job description at any time. This job description is not a contract for employment and either you or the employer may terminate your employment at any time for any reason.</p><p><b> What </b><b> To Do Next </b><b>:</b></p><p>If this sounds like a role you are interested in, then please apply.</p><p> We are committed to providing an inclusive and accessible application process for all candidates. If you require any assistance or accommodation due to a disability or any other reason, please contact us at to discuss your needs. </p><br><br><p><strong>Primary Location: </strong>New York, NY, Madison Ave Corp</p><br><p><strong>Other Locations: </strong>New York-New York</p><br><p><strong>Organization: </strong>Banco Santander S.A.</p>

USA Underwriting & Portfolio Management IC6-3

M2 Professional Recruitment Services Ltd

<p>An excellent opportunity has arisen for an experienced Bridging Underwiter within a leading independent funder based in Manchester.</p><p>Key Responsibilities:</p><ul><li>Underwrite bridging loan applications within company lending criteria and funding partners guidelines by making quality lending decisions and articulate them fully.</li><li>To be responsible for all underwriting queries and resolution of issues.</li><li>Be alert to the risks attributed to an application ensuring that the loan is both suitable and fit for purpose.</li><li>Recommending appropriate mitigation of risks where possible.</li><li>Provide excellent customer service.</li><li>Follow and keep up to date with current best practice and regulatory requirements in line with company training.</li><li>Ensure communication between internal departments and with external partners is clear and concise at all times.</li><li>Keep all internal systems up to date. </li></ul><p><strong>Required Skills and Experience:</strong></p><ul><li>Bridging or short-term lending and property related lending underwriting experience gained with a lender preferred.</li><li>Experience of underwriting regulated loans preferred.</li><li>Detailed understanding of organised fraud and measures/systems in place to avoid it.</li><li>Ability to adopt a pragmatic approach to underwriting ideally with a specialist lender.</li><li>Able to demonstrate you are proactive, hardworking, flexible and able to work under own initiative but also as a team player.</li><li>Able to prioritise effectively to manage multiple underwriting functions.</li><li>Commercially aware with excellent interpersonal and communication skills.</li></ul><p>Flexible approach to working to meet the needs of the business</p>

Fintelligent

Are you an experienced Bridging Underwriter looking for a new opportunity? Our client, a boutique specialist lender based in the heart of London, is growing and is seeking a talented applicant to manage unregulated bridging loan applications from start to finish. This is your chance to be part of an exciting journey in a dynamic and fast-paced environment.With a competitive salary of £55,000 - £65,000, this Underwriter role offers you the chance to be part of a growing company in Central London.Our client is a boutique specialist lender located in London, known for its ambition and excellence in service. The company prides itself on providing innovative financial solutions to its clients, with a focus on unregulated bridging loans.As an Underwriter, you will:<ul> <li>Conduct due diligence to support lending outcomes.</li><li>Identify and address fraud, credit risks, and other issues.</li><li>Liaise with borrowers, solicitors, valuers, brokers, and internal teams.</li><li>Review application forms and legal documentation.</li><li>Prepare indicative terms and loan offer letters.</li><li>Manage loan information using Excel and CRM systems.</li><li>Assist in developing a loan management system.</li><li>Monitor industry news and prepare investment committee papers.</li></ul> <strong>Package and Benefits:</strong>The Underwriter role comes with a comprehensive package:<ul> <li>Annual salary of £55,000 - £65,000.</li><li>25 days paid annual leave plus bank holidays.</li><li>Company pension scheme.</li><li>Smart casual dress code.</li><li>Full-time position with working hours from 09:00 to 17:30, Monday to Friday, based in Central London.</li></ul> <strong>About You</strong>The ideal Underwriter will have:<ul> <li>At least 1 year of experience in a similar role at a bridge lender.</li><li>Ability to manually underwrite without automated systems.</li><li>Knowledge of AML/KYC regulations and loan types.</li><li>Proficiency in Microsoft Office, especially Excel.</li><li>Excellent communication, organisation, and customer service skills.</li><li>Methodical mindset with attention to detail and ability to multitask.</li></ul> If you're interested in securing your next career move as a Bridging Underwriter, this Underwriter position might be the perfect fit for you. The skills and experience required for these roles align closely with the responsibilities of an Underwriter in our client's company.This is a fantastic opportunity for an Underwriter to join a thriving lender in London. If you're ready to take the next step in your career and make a significant impact, we'd love to hear from you. Apply now and be part of a team that's shaping the future of lending.

Underwriter Bridging

Gesa Credit Union

<div><h1 class="jobSectionHeader"><b>Take a leap and join our team!</b></h1><p>
At Gesa, we believe in the power of our people. Coming from all walks of life, our team members&rsquo; individual stories and unique experiences are our most valuable asset. But it&rsquo;s how we come together, igniting our collective compassion and commitment to empowering our communities, that makes us succeed. Because we know we go further when we go together.</p><p>
Here you can join a team who is passionate about serving others, has a desire to do good, and shares a deep love of people. You can engage in meaningful work that impacts your community. You can challenge yourself and grow in your career. And, you can rest assured that your wellbeing and prosperity are our priority.
</p><p><b>Get to know us: </b>About - Gesa Credit Union</p><p>
</p><h1 class="jobSectionHeader"><b>Role Summary:</b></h1><p>
Gesa Credit Union is seeking a highly motivated, detail oriented and organized Small Business Administration (SBA) Loan Underwriter/Credit Analyst to join our dynamic team. The SBA Underwriter/Credit Analyst reports to the SBA Lending Manager. The SBA Underwriter /Credit Analyst position is a critical function in the SBA loan origination process. This position is responsible for ensuring SBA program eligibility in concurrence with the SBA underwriting standards and guidelines. Primarily the SBA Underwriter will perform financial analysis and credit underwriting to support loan origination activities for SBA 7(a), Express 504 and other government guaranteed loan programs. This position is responsible for analyzing SBA credit requests and assisting with credit approval recommendations based on analysis and review. The underwriter is involved with spreading financial statements, tax returns, calculation of cash flows, and financial ratios. The underwriter will assist in the completion of loan approval packages, assisting SBA Relationship Managers obtain necessary documentation, and conduct quality assurance prior to the SBA loan closing. The SBA Underwriter will also be responsible for annual reviews, as needed, perform industry risk analysis, and complete other related tasks required to support the SBA Dept.
</p><p></p><h1 class="jobSectionHeader"><div><b>What You Will Be Doing:
</b></div></h1><ul><li><div>Support SBA Relationship Managers in accurate assessment of SBA eligibility as outlined in the most recent SBA SOP as well as credit union policies and guidance.</div></li><li><div>
Maintain a working knowledge of SBA loan programs.</div></li><li><div>
The expectation is to build and review at least 2 deals per week or 45 per year factoring in vacations &amp; holidays.</div></li><li><div>
Analyze personal and business credit data, financial statements, accounts receivable aging reports, accounts payable aging reports, financial projections and tax returns with a sound understanding of financial ratio analysis in order to present facts, opinions and recommendations to SBA Relationship Manager concerning applicant&rsquo;s credit worthiness.</div></li><li><div>
Evaluate CRE, business acquisitions, equipment, expansions, start-up, construction, and tenant improvement project requests follow bank underwriting guidelines along with SBA requirements.</div></li><li><div>
Assemble, record, and maintain all credit file data in an accessible and organized manner using shared files and Gesa Credit Union underwriting and record keeping software or tickler systems.</div></li><li><div>
Request SBA terms and conditions through SBA&rsquo;s etran system or other means.</div></li><li><div>
Assist SBA Loan Processor in ordering appraisals, real estate evaluations, market research, UCC searches, environmental reports, title reports, etc. in fulfillment of underwriting loan request.</div></li><li><div>
Assist SBA Relationship Managers in preparing letters of interest and loan commitment letters, portfolio management including annual loan reviews and problem loan reports.</div></li><li><div>
May participate in customer and prospect calls with the SBA Relationship Manager.</div></li><li><div>
Attend credit union and SBA training sessions, conferences, or seminars as approved by supervisor.</div></li><li><div>
May be asked to coach, mentor, or train others and teach coursework as subject matter expert.</div></li></ul><h1 class="jobSectionHeader"><b>
</b></h1><h1 class="jobSectionHeader"><div><b>About You:</b></div></h1><ul><li><div>
To perform financial statement and tax return analysis and calculate basic financial ratios.</div></li><li><div>
To provide knowledgeable, professional, friendly service to all members or vendors whether in person, over the phone thought electronic communication or written communication.</div></li><li><div>
To participate in and support a team environment.</div></li><li><div>
To display respect for diversity. Treat people with respect, keep commitments, and maintain a high level of integrity.</div></li><li><div>
Good interpersonal skills and team orientation.</div></li><li><div>
To communicate with supervisor regarding matters of account or lending concern.</div></li><li><div>
To lead by example by always displaying solid ethics and integrity.</div></li><li><div>
To assist all team members when necessary to meet the borrower expectations and department goals.</div></li><li><div>
To demonstrate a willingness to learn and grow within a dynamic and challenging environment.</div></li><li><div>
To understand and perform Bank Secrecy Act (BSA) functions applicable to job responsibilities.
</div></li><li><div>To maintain a professional work environment and work under restricted time constraints.</div></li><li><div>
To demonstrate support of corporate values, mission, and vision. Perform job duties within these standards and in accordance with the guidelines of our bylaws and regulations.</div></li><li><div>
To maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism. Consistently display respect for all areas of diversity and levels of knowledge.</div></li></ul><h1 class="jobSectionHeader"><div><b>
What You Will Need:</b></div></h1><ul><li><div><div>
Three (3) to five (5) years of similar or related commercial credit analysis experience preferred.</div></div></li><li><div><div>
Must be able to work under pressure and manage workflow to provide a high level of member service.</div></div></li><li><div><div>
Proficiency with standard office equipment, MS Office and Outlook software and commercial lending platforms.</div></div></li><li><div><div>
Some travel may be required to fulfill duties, career development, and/or responsibilities.</div></div></li><li><div><div>
Four (4) year college degree or completion of a specialized course of study at a business or trade school is preferred but not required, or equivalent experience.</div></div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Our Team Member Value Proposition:</b></div></h1><div><div>
In exchange for bringing your talent to Gesa, here are a just a few of the benefits and perks we offer:</div></div><ul><li><div>
Competitive Pay</div></li><li><div>
Medical, Dental, Vision, and Life Insurance
</div></li><li><div>20 days/year of Paid Time Off &ndash; Plus 10 Paid Holidays!</div></li><li><div>
401(k) Match</div></li><li><div>
Incentive Program</div></li><li><div>
Tuition Assistance and Student Loan Repayment</div></li><li><div>
Commuter Benefits</div></li><li><div>
Paid Time Off to Volunteer in the Community</div></li><li><div>
Product discounts</div></li><li><div>
Engaging Work Environment</div></li><li><div>
Rewards and Recognition Programs</div></li></ul><p>
</p><h1 class="jobSectionHeader"><div><b>Full Salary Range:</b></div></h1><div><div>
$34.60 - $57.67</div></div><div><ul><li><i>While our full pay range is listed, most new team members typically start between the minimum and midpoint based on their experience and qualifications. This approach gives room to grow within the role as your career progresses with us!&quot;</i></li></ul></div><p>
</p><div><div>Get wise to what&rsquo;s possible with a career at Gesa. Join us!</div></div><div><div>
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact the HR Department at (509) 378-3100 or hrmail@gesa.com to request an accommodation.</div></div><div><div>
Gesa Credit Union reserves the right to revise or change the job description as the need arises. This job description is not all inclusive of total job responsibilities nor does it constitute a written or implied contract of employment.</div></div><div><div>
Selected candidate(s) must be able to pass a pre-employment credit/background check.</div></div><div><div>
Gesa Credit Union is an Equal Opportunity Employer and strong advocate of workforce diversity. Race/Color/Gender/Sexual Orientation/Gender Identity/Religion/National Origin/Disability/Veteran.</div></div><div><div>
Equal Employment Opportunity (gesa.com)</div></div></div>

SBA Underwriter/Credit Analyst II

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