Grow with UTB

A new job opportunity with United Trust Bank.

Underwriter | Bridging Finance

A new opportunity to work in our Bridging Finance team where you will proactively respond to requests for bridging finance from brokers/applicants for regulated and unregulated transactions and manage the underwriting and due diligence process from loan application to loan drawdown.

Job Reference: BR052-24
Department: Bridging Finance 
Reporting to: Underwriting Manager 
Location: London 
Work pattern: Hybrid 

Job description

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This is a hybrid role – 3 days in the office (City of London location) and 2 days working from home.

Role Purpose: 

  • To proactively respond to requests for bridging finance from brokers/applicants for regulated and unregulated transactions
  • To manage the underwriting and due diligence process from loan application to loan drawdown


  • Make lending decisions in line with Credit Risk Policy and individual mandate level.
  • Adhere to internal underwriting policy and regulatory requirements – FCA, PRA, Money Laundering, Prevention of Financial Crime, Data Protection, etc.
  • Work with Internal Sales to progress cases from DIP to drawdown.
  • Preparing a detailed Credit Paper with all appropriate conditions and presenting the proposition to Credit Committee.
  • Instructing valuers and solicitors.
  • Following sanction from the relevant mandate holders, preparing/reviewing the offer letter and accompanying documents and being proactive in ensuring that all loan conditions have been met and the case moves efficiently to drawdown.
  • Ensuring that information concerning each loan is accurately and comprehensively entered in to the Bank’s electronic systems, both prior to and upon drawdown.
  • The hand over to the Servicing teams Loan Administrators, a complete file with all post completion activities completed in accordance with the Bank’s Policy and Process.

Skills and Experience sought:

 Essential Experience

  • Previous Bridging, Underwriting or lending experience within the property environment, preferably within both the regulated and unregulated market
  • Professional communications skills, able to communicate with businesses and colleagues by telephone, email and face to face
  • Strong understanding of the regulatory environment
  • Liaising with Introducers and/or external customers
  • Highly motivated individual, committed to providing outstanding service to customers and clients

Desirable Experience

  • Previously and or holds a lending mandate
  • 2+ years Bridging/Internal sales/Business development /Underwriting experience

About UTB

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UTB is a dynamic and expanding specialist bank that provides solutions to our customers and brokers, which help them achieve their ambitions. Recognised as being one of the most dependable and well-respected Specialist Banks in the UK, we were delighted to see our balance sheet exceed the £2bn mark in 2022.

Exceptional customer service and the ability to provide rewarding deposits accounts and flexible lending solutions have helped us to develop productive and enduring relationships with our customers. We understand that their success is our success and that the quality of our people and teams, is key to delivering special outcomes for them.

We also understand that the performance of our people is directly linked to the culture in which they work. There is a strong sense of community at UTB and as well as promoting a clear set of internal values, and providing a wealth of facilities for training, personal development, and team building, we run a busy and varied calendar of engagement and social activity. Typical recent examples include: Pizza Lunch Days and Coffee Catch-ups; London Marathon and Sahara Challenge Sponsorships; Success Sharing and Value Awards; and Awesome Autumn social events ranging from Theatre Trips, Cocktail Mixology, and Cookery Classes, to Go-karting, Mini Golf and Clay pigeon shooting.

Employee benefits

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  • Competitive Salary and Bonus package
  • 26 Days Holiday
  • 2 Wellbeing Days
  • Contributory Pension
  • Life Insurance / Income Protection / Critical Illness cover
  • Private Medical Insurance
  • Season Ticket Loans
  • Excellent career development opportunities and where appropriate sponsorship of a relevant qualification

Apply Now

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Thank you for your interest in our current vacancy. Please click the link below to complete your online application.

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