Bridging Underwriter

Job Title: Bridging Underwriter

Location: Hybrid 2 days a week in the London Office

Salary: Up to £60,000 (Open to higher for experienced candidates)

Hours: Monday to Friday 9 am to 5.30 pm

Benefits:

• Cycle to work scheme
• Private Medical Insurance
• Discretionary annual bonus
• Holiday buyback scheme
• 25 days holiday plus bank and public holidays
• Monthly team socials
• Summer and Winter Company socials
• Employee of the Month rewards
• Fundraising events

About the position of Underwriter

An award-winning and fast-growing bridging finance company is looking for an experienced Underwriter to join their expanding team. Specialising in bridging and short-term lending, they have been recognised for outstanding service and shortlisted for multiple industry awards.
As they continue to grow, they are seeking a skilled Underwriter with experience in bridging, short-term lending, or property lending. This is an exciting opportunity to be part of a collaborative and dynamic business where teamwork is at the heart of success. If you thrive in a fast-paced environment and have strong analytical and decision-making skills, we'd love to hear from you.

Responsibilities for the role of Underwriter

• Assess and underwrite bridging loan applications within lending criteria and funding guidelines.
• Manage a high-volume case pipeline, prioritizing tasks to meet deadlines while ensuring excellent customer service.
• Use commercial acumen to assess risks and propose appropriate mitigations, with support from senior leadership.
• Prepare high-quality Credit Papers with clear recommendations for loan approvals.
• Structure, price, and assess new enquiries, outlining key conditions for loan support.
• Oversee cases from enquiry to completion, ensuring efficiency and accuracy.
• Prepare and review loan documentation for third-party stakeholders.
• Identify and mitigate risks, including fraud and money laundering.
• Build strong relationships with brokers, valuers, solicitors, and internal teams.
• Stay up to date with industry regulations and best practices.
• Maintain accurate records and update internal systems as required.

Experience and skills required for the role of Underwriter

• Underwriting experience in bridging, short-term lending, or property finance.
• Strong knowledge of compliance, including MCOB, CCA, and responsible lending.
• Understanding of fraud risks and preventative measures.
• Pragmatic underwriting approach, ideally within a specialist lender.
• Proactive, flexible, and able to work independently and as part of a team.
• Ability to manage multiple time-sensitive tasks effectively.
• Commercially aware with strong interpersonal and communication skills.
• Adaptable to business needs with a hands-on approach.