Bridging Finance Underwriter — Hybrid, Fast Credit

Quantum Mortgages Limited; Milton Keynes; Hybrid; GBP 40,000 - 70,000; Full time

Benefits offered by this job

Company Bonus Scheme

Life Insurance

Vitality Private Medical Insurance

Hybrid Working

Generous Leave

Pension Scheme

Fantastic Company Culture

Wellbeing Support

Professional Development

Career Progression

Job summary

Quantum Mortgages Limited is seeking an experienced Bridging Underwriter to assess, underwrite, and authorise bridging loan applications in line with our credit risk policy. You will discuss potential new applications with intermediary partners and help maintain a robust lending process.

Responsibilities include reviewing documents, delivering accurate credit rationales, and managing a case pipeline end-to-end.

Qualifications

• Experience in bridging, refurbishment or development finance, ideally 2+ years in a mandate-holding role.
• Comprehensive knowledge of the full lifecycle of a bridging loan, including completions.
• Ability to prepare succinct credit rationales in support of bridging loans.
• Experience working in a small, collaborative team and managing pipeline end-to-end.
• Familiarity with unregulated bridging finance transactions and regulatory requirements.

Responsibilities

• Assess and underwrite bridging loan applications in line with Lending Policy and SLAs.
• Evaluate supporting documents: credit searches, land registry, valuations and due diligence.
• Provide clear credit rationale with mitigations where needed.
• Manage a pipeline through application to funding, coordinating with solicitors.
• Ensure high data accuracy and diligent record keeping.
• Contribute to business improvement initiatives and deliver proactive customer service.
• Develop understanding of firm products, lending strategy, policies and processes.
• Assist introducers with heads of terms and new enquiries.

Skills

Analytical skills

Clear credit rationale

Organisational skills

Prioritisation

Communication skills

Adaptability

Working under pressure

Data-entry accuracy

Product and lending knowledge

Regulatory knowledge

Job description

Quantum Mortgages Limited is seeking an experienced Bridging Underwriter to assess, underwrite, and authorise bridging loan applications in line with our credit risk policy. You will discuss potential new applications with intermediary partners and help maintain a robust lending process.

Responsibilities include reviewing documents, delivering accurate credit rationales, and managing a case pipeline end-to-end.