A fast-growing UK specialist property lender is looking to hire a 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 • 1 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 What’s on Offer • Real influence over credit decisions • Competitive salary and progression • Opportunity to grow with a scaling specialist lender 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