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Credit & Underwriting Role

Credit & Underwriting Role

Onatemadrid, España
Hace 20 horas
Descripción del trabajo

Onate is a fast-growing real estate bridge lender operating across Ireland and Spain. We provide short-term, first-charge real estate finance to property developers and investors, with typical uses including developer exit loans to finish or sell assets, as well as “fix-and-flip” opportunities. Our lending spans residential, mixed-use, and commercial property.

The business is focused on speed and certainty : delivering borrowers a fast yes or no and following through at pace. Onate was founded by three serial entrepreneurs with a track record of building multiple companies, including two listed on the London Stock Exchange. Our vision is to establish Onate as a pan-European bridge lender with market-leading positions in every territory of operation.

Launched in 2021, Onate has grown in Ireland with over 200 loans completed and a market-leading position. In Spain, operations began in early 2024 with the Madrid office opening and the first loans completed. The Spain team has grown to five professionals, supported by a growing loan book and a strong pipeline. The Spanish portfolio already represents more than 25% of the group’s assets and is scaling rapidly. Onate has multiple funding lines including a large international bank, a specialist credit fund, and a listed bond programme, providing diversity of capital and scalability. More about Onate can be read on our regularly updated blog.

The Opportunity

We are hiring an experienced credit and underwriting professional to support the next stage of our Spanish growth. This role reports directly to the Group Head of Credit and will be key to underwriting, executing, and managing our Spanish bridging portfolio. Experience with loan execution and recovery is a requirement of the role. Depending on experience and track record, we will appoint at Senior Manager or Director level.

This role is based in our Madrid office on Paseo de la Castellana, the heart of the city’s business district. The office reflects a vibrant, fast-growing entrepreneurial company and is home to our Spanish team.

While the role is primarily office-based, we recognise the importance of flexibility and are happy to support periods of remote working where needed (for example, during the summer months).

The role also involves travel across Spain to meet borrowers and visit assets as required. These visits are usually manageable within a single day, so overnight stays are rarely necessary.

At Onate, high performance comes from working smart, not simply long hours. We foster a culture of efficiency and accountability—pushing hard when it matters, but avoiding unnecessary late nights or weekends. Team spirit is central to who we are, and we meet regularly for team events. With rapid growth driven by initiative and commitment, there’s a high-energy atmosphere across the business.

Candidate Profile

  • 8+ years experience in real estate lending or credit, familiar with the full lifecycle of a property-backed loan.
  • Strong background in property-backed underwriting, portfolio management (including non-performing loans), and enforcement / debt recovery.
  • Experience in an alternative lending, banking, or debt servicing environment.
  • Deep understanding of Spanish property law, enforcement procedures, and valuation standards.
  • Highly networked in the Spanish real estate or lending industry.

Skills

  • Commercial mindset with strong financial modelling and credit analysis skills.
  • Highly networked within the Spanish real estate and lending market.
  • Excellent written and spoken Spanish and English.
  • Comfortable working autonomously in a fast-moving, scaling environment.
  • Key Responsibilities

  • Responsible for the end-to-end underwriting of all Spanish bridging loans, including : property and borrower due diligence, credit risk assessment, legal documentation, and exit strategy analysis.
  • Present clear, decisive credit papers and recommendations to the Group Head of Credit and CEO.
  • Ensure all loans meet Onate’s credit policy, risk appetite, and regulatory requirements.
  • Own the performance of the Spanish loan book, including early identification of potential issues.
  • Manage loan expiries, extensions, and recoveries, ensuring timely redemptions and optimal outcomes.
  • Monitor portfolio concentration, market trends, and stress scenarios to inform risk appetite.
  • Leadership & Growth

  • Act as a local credit lead in Spain, mentoring junior colleagues and helping to build future underwriting capacity.
  • Contribute to credit policy development and process improvement across the Group.
  • Relationship Management

  • Maintain and grow relationships with key market participants : brokers, valuers, lawyers, notaries, and institutional partners.
  • Promote Onate’s “fast yes or no, and follow through at pace” culture in every borrower and partner interaction.
  • Process & Culture

  • Champion entrepreneurial problem solving.
  • Provide continuous feedback on systems, products, and positioning to enhance efficiency and market fit.
  • Embrace our high-performance culture, using technology for clear, regular communication.
  • Seniority

  • Mid-Senior level
  • Employment type

  • Full-time
  • Job function

  • Finance and Sales
  • Location : Madrid, Spain. Travel across Spain as required. Remote work possible periodically in summer months.

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