Bridging Finance Underwriter

JR United Kingdom; London; On-site; GBP 40,000 - 70,000; Full time

Job summary

An exciting opportunity awaits for an ambitious underwriter to join a fast-growing company in the bridging finance sector. As a key member of the team, you will play an essential role in shaping risk strategies and making critical lending decisions. This role offers the chance to work closely with brokers and solicitors to facilitate seamless loan completions while driving growth. If you have a strong background in underwriting and are eager to contribute to a dynamic environment, this position is perfect for you. Join a company that values innovation and excellence in the financial industry.

Qualifications

• 3+ years of experience in underwriting bridging finance.
• Strong understanding of property-backed lending and risk management.

Responsibilities

• Evaluate and underwrite bridging loan applications efficiently.
• Conduct due diligence and manage expectations of brokers and clients.

Skills

Bridging Finance Underwriting

Risk Assessment

Credit Analysis

Analytical Skills

Communication Skills

Time Management

Tools

DocuSign

CRM Platforms

Job description

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Schedule: Monday to Friday, 40–45 hours per week

Employment Type: Full-time

This role is ideal for an ambitious and motivated underwriter who is looking for an exciting challenge and wants to be part of a new, fast-growing company. As a key member of the team, you’ll play a crucial role in shaping our risk strategy and helping Expert Lending establish itself as a leader in the bridging finance sector.

Role Overview

As an Underwriter, you will be responsible for evaluating and making lending decisions on bridging applications. You will assess risk, review security, and ensure compliance with internal policies while maintaining speed and efficiency in the decision-making process.

You will work closely with brokers, solicitors, surveyors, and the internal team to facilitate seamless loan completion and help drive Expert Lending’s growth.

Key Responsibilities

·Assess and underwrite bridging loan applications, ensuring they meet lending criteria and risk appetite.

·Analyse borrower financials, property valuations, security, and exit strategies to ensure sound lending decisions.

·Conduct due diligence, including credit reports, financial assessments, background checks, and legal documentation reviews.

·Stay up to date with any legislation changes within the bridging finance sector.

·Effectively manage expectations of brokers, intermediaries, and borrowers, ensuring high service levels.

·Support senior management in improving underwriting processes.

·Write and improve on internal policies.

·Mentor and support junior underwriters and case managers when the teams are established.

Key Requirements

·At least 3 years’ experience underwriting bridging finance.

·Strong understanding of property-backed lending, risk assessment, and credit analysis.

·Working knowledge of UK bridging lending procedures and risk management principles.

·Excellent analytical skills, with attention to detail and the ability to assess complex cases efficiently.

·Strong communication and management skills, with experience dealing with brokers and clients.

·Ability to work under pressure, prioritising workloads to meet tight deadlines.

·Skilled in using computer software packages including DocuSign and CRM platforms.