A fast-growing UK specialist property lender is looking to hire an experienced Bridging & Refurbishment Loan Underwriter to take ownership of credit assessment across new lending opportunities. This is a core role within a lean, commercially focused business, offering genuine influence over credit decisions and portfolio quality. The position is hands-on and judgment-led, rather than process-driven. Key Responsibilities • Underwrite UK bridging, refurbishment, and commercial property loans • Assess borrower quality, exit strategy, valuations (MV/OMV/GDV), and refurbishment costs • Structure loans, setting LTV/LTC/GDV, pricing, drawdowns, and conditions • Identify key risks and mitigants for credit approval • Liaise with brokers, valuers, solicitors, and surveyors through to completion • Support post-completion matters including extensions and variations • Produce clear, concise credit papers and flag early risk issues Requirements Essential • 2 years’ experience underwriting UK bridging/refurbishment loans • Strong knowledge of UK property markets, valuations, and development risk • Comfortable with non-standard assets and limited information • Commercial but downside-focused credit judgment Desirable • Background in private credit, specialist lenders, challenger banks, or debt funds • Exposure to refurbishment monitoring or recoveries Personal Attributes • Confident challenging brokers and borrowers • Detail-oriented with strong commercial awareness What’s on Offer • Real influence over credit decisions • Competitive salary and progression • Opportunity to grow with a scaling specialist lender Salary is dependent on experience and hybrid working is available. Should you have any questions or wish to apply please do not hesitate to contact Clear IT Recruitment Limited. 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