Mortgage Underwriter (Bridging Finance)

Quantum Mortgages; Milton Keynes; Hybrid; GBP 42,000 - 66,000; Full time

Benefits offered by this job

Company bonus scheme

Life insurance

Vitality private medical insurance

Hybrid working

25 days annual leave + holidays

Job summary

Quantum Mortgages is seeking a bridging finance underwriter to assess and underwrite bridging loan applications in line with our credit risk policy and to support intermediary partners with new opportunities.

You will review documents, conduct due diligence, articulate a clear credit rationale, manage a pipeline end-to-end, and contribute to process improvements within a collaborative team.

Qualifications

• Strong analytical and decision-making skills.
• Ability to articulate credit decisions succinctly with rationale.
• Strong organisational skills and attention to detail.
• Ability to prioritise tasks effectively.
• Excellent communication skills across levels.
• Adaptability to changing business needs.
• Ability to work under pressure and meet tight deadlines.
• High level of data accuracy and record keeping.
• Understand lending products, risk policies and processes.
• Knowledge of regulatory requirements.

Responsibilities

• Review, assess and underwrite bridging loan applications in line with Lending Policy and SLA.
• Evaluate supporting documentation including credit searches, land registry reports and valuations.
• Provide a balanced credit rationale with mitigations where needed.
• Manage an efficient pipeline from application to completion, liaising with solicitors and arranging funding.
• Ensure accurate data entry and ongoing record keeping.
• Be an active team member with a can-do attitude and prioritise tasks.
• Contribute to ongoing business improvement initiatives.
• Deliver proactive customer service to stakeholders.
• Develop understanding of the Firm's lending strategies and risk policies.
• Assist with enquiries from introducers to provide heads of terms.

Skills

Analytical skills

Decision making

Credit rationales

Organisational skills

Prioritising tasks

Communication

Adaptability

Under pressure

Attention to detail

Industry knowledge

Tools

Credit risk systems

Job description

The primary function of this role is to assess and underwrite bridging finance applications to ensure all lending complies with the company’s credit risk policy, and assisting our intermediary partners by discussing potential new applications.

Responsibilities include:

• Review, assess and underwrite new bridging loan applications in accordance with Lending Policy and within agreed service level agreement time parameters.
• Evaluate all supporting documentation including credit searches, land registry reports, valuation reports and conduct the required due diligence for every case.
• Provide a clearly articulated and balanced credit rationale supporting the approval of a new application, with mitigations where required.
• Manage a pipeline of cases diligently and efficiently from application through to completion – including liaising with solicitors and arranging funding.
• Ensuring a high level of accuracy of data entry and ongoing record keeping.
• Being an active team member with a can-do attitude, able to prioritise tasks in a fast-paced environment.
• To participate and contribute to ongoing business improvement activity.
• Deliver a first-class, proactive customer service to all stakeholders.
• Build a thorough understanding of the products offered by the Firm, its lending strategy, credit risk policies, and processes.
• Assisting with new enquiries from introducers to provide heads of terms.

The primary function of this role is to assess and underwrite bridging finance applications to ensure all lending complies with the company’s credit risk policy, and assisting our intermediary partners by discussing potential new applications.

Responsibilities include:

• Review, assess and underwrite new bridging loan applications in accordance with Lending Policy and within agreed service level agreement time parameters.
• Evaluate all supporting documentation including credit searches, land registry reports, valuation reports and conduct the required due diligence for every case.
• Provide a clearly articulated and balanced credit rationale supporting the approval of a new application, with mitigations where required.
• Manage a pipeline of cases diligently and efficiently from application through to completion – including liaising with solicitors and arranging funding.
• Ensuring a high level of accuracy of data entry and ongoing record keeping.
• Being an active team member with a can-do attitude, able to prioritise tasks in a fast-paced environment.
• To participate and contribute to ongoing business improvement activity.
• Deliver a first-class, proactive customer service to all stakeholders.
• Build a thorough understanding of the products offered by the Firm, its lending strategy, credit risk policies, and processes.
• Assisting with new enquiries from introducers to provide heads of terms.

What we’re looking forSkills and Competencies

Essential

• Strong analytical and decision-making skills
• Ability to articulate credit decisions succinctly and effectively with a clear rationale.
• Strong organisational skills and attention to detail.
• Ability to prioritise tasks effectively.
• Excellent communication skills across all levels.
• Adaptability and flexibility to meet changing business needs.
• Ability to work under pressure and meet tight deadlines with a positive attitude.
• High level of accuracy in data entry and record keeping.
• Ability to understand the firm's products, lending strategy, credit risk policies, and processes.
• Knowledge of the latest industry regulations and compliance requirements.

Desirable

• Participation in business improvement activities.
• Support for wider processing teams and underwriting peer groups.

Qualifications and Experience

Essential

• Experience in Bridging, Refurbishment, or Development Finance, ideally 2 years+ in a mandate-holding role (or similar) for a specialist finance provider.
• Comprehensive knowledge of the full lifecycle of a bridging loan, including managing completions.
• Experienced in preparing detailed and succinct credit rationales in support of a bridging loan.
• Familiar with working in a small, collaborative team.
• Experienced in effectively managing a pipeline of cases from end to end.
• Flexible, can-do, problem-solver attitude, skilled in finding solutions to challenges.
• Record and file management experience.
• Experience with unregulated bridging finance transactions.

Desirable

• BTL underwriting experience.
• Experience in business improvement activities.
• Experience delivering proactive customer service through various communication channels.
• Experience in managing a portfolio of live loans.

Personal Attributes & Disposition

Customer-Centric Mindset

• Demonstrates a strong commitment to understanding and meeting customer needs.
• Proactively seeks customer feedback to improve services and products.
• Prioritizes customer satisfaction in all decision-making processes.

Inclusivity and Respect

• Values diversity and actively promotes an inclusive work environment.
• Treats all colleagues with respect and openness.
• Encourages collaboration and values different perspectives.
• Values open, honest, and transparent communication.

Data-Driven and Risk-Focused

• Utilizes data to inform decisions and improve processes.
• Adheres to established procedures and guidelines.
• Maintains a strong focus on risk management and mitigation.

Innovative and Bold Decision-Making

• Embraces new technologies and innovative solutions.
• Demonstrates a willingness to take calculated risks.
• Continuously seeks opportunities for growth and improvement.

Why Join Us?

• Company Bonus Scheme: Up to 10% in line with our policies, rewarding your hard work and dedication.
• Life Insurance: Coverage up to 4x your salary for peace of mind.
• Vitality Private Medical Insurance: Comprehensive coverage for you and your family.
• Hybrid Working: Enjoy the flexibility of working from home 3 days a week, with additional/alternative flexible arrangements considered upon request.
• Generous Leave: 25 days annual leave, 8 statutory holidays, plus 1 additional paid leave days over the Christmas period.
• Pension Scheme: Competitive contributions to secure your future.
• Fantastic Company Culture: We pride ourselves on our inclusive and supportive environment, reflected in our amazing team.
• Wellbeing Support: Access to resources and programs to support your mental and physical health.
• Professional Development: Opportunities for training and growth to help you advance your career.
• Career Progression: Clear pathways for advancement, with achievements recognized and celebrated.

About Us

At Quantum Mortgages Limited (QML), we are dedicated to revolutionizing the mortgage industry with innovative solutions and exceptional customer service. Established with a vision to simplify the mortgage process, we have grown into a trusted name in the financial sector.

Our mission is to offer personalized mortgage solutions that cater to the unique needs of each client, ensuring a smooth and supportive journey from application to approval.

What Sets Us Apart

• Recognized Excellence: Recently recognized by Mortgage Introducer magazine as the overall top mortgage employer of 2025 and Buy to Let Lender of the Year.
• Specialist Lender: We specialize in providing finance to professional landlords who are underserved by high street lenders and even many existing specialist lenders.
• Personalized Service: We offer customized mortgage solutions tailored to individual needs, ensuring our clients receive the best possible support.

Join us at Quantum Mortgages Limited and be a part of a team that is shaping the future of the mortgage industry. Together, we can achieve great things.