Bridging, Bridging Underwriter, Underwriter, Commercial Finance, Senior Underwriter, Bridging and BTL Underwriter, Short Term Loan, Finance

A highly reputable, successful, and award-winning Bridging Lender currently requires a skilled and experienced Bridging and BTL Underwriter to join its dynamic and friendly team

This is an exceptional opportunity, offering a very competitive base salary, a comprehensive benefits package and bonus, alongside a vibrant and happy working environment, with genuine career progression.

The Senior Bridging Underwriter Role

• As a Senior Bridging Underwriter, you will play a critical role in assessing and underwriting bridging loans and buy-to-let mortgages, ensuring adherence to lending criteria and risk management guidelines.
• Conduct thorough analysis and evaluation of loan applications, including financial documents, credit histories, property valuations, and other relevant information.
• Assess risks associated with each application, considering factors such as borrower creditworthiness, loan-to-value ratios, and property values.
• Make informed underwriting decisions, including approving, denying, or conditionally approving loan applications, based on established criteria.
• Ensure compliance with internal policies, external regulations, and industry standards throughout the underwriting process.
• Collaborate with brokers, borrowers, and other stakeholders to gather necessary information, clarify requirements, and provide updates on the underwriting process.
• Maintain accurate documentation of underwriting decisions, calculations, and recommendations to ensure a comprehensive loan file.
• Support Underwriting Managers with complex loan assessments
• Presentations to Line Manager in respect of property loans for funding

Senior Bridging Underwriter Responsibilities and Duties

• Deputise for Underwriting Managers where required.
• Assist loan servicing team with loans post funded, where requested.
• Activity to build, manage & influence a key broker & borrower network.
• Ongoing point of contact for brokers and borrowers & professional stakeholders
• Presentations to Line Management & CEO on loan cases & process improvements
• Mentorship of Jnr Underwriters, Underwriters & Administrators to support team goal.
• Timely delivery of MI to line management as and when requested.
• Update the company CRM (HubSpot) where required.
• Proactive identification of new lending opportunities vs personal target of £15m per annum
• Attend team meetings to share best practise & to optimise productivity.
• All activity to always uphold the principles as a company ambassador.

Experience Required - Senior Bridging Underwriter

• Minimum 2 years of experience in underwriting, specifically in bridging loans and buy-to-let mortgages.
• Strong knowledge of mortgage lending principles, risk assessment, loan products, market trends, and regulatory requirements.
• Excellent analytical skills to assess complex financial information and make sound underwriting decisions.
• Attention to detail and accuracy in reviewing and verifying information, documents, and calculations.
• Effective communication skills to interact with brokers, borrowers, and other stakeholders, providing clear explanations of underwriting decisions.
• Strong problem-solving abilities to identify issues in loan applications and propose appropriate solutions.
• Ability to work in a fast-paced environment, handling multiple tasks and adapting to changing priorities.
• Proficiency in using underwriting software, loan origination systems, and other relevant tools.
• The client is an equal opportunity employer, committed to promoting diversity and inclusion in the workplace.

For further details please contact Robert at Recruitment Solutions. APPLY TODAY and I will be in touch.