Bridging Finance Underwriter - #150042

About the Role

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 assist our intermediary partners by discussing potential new applications.

Responsibilities include:

• Process and underwrite new loans in line with credit policy, the responsible lending policy, and the underwriting manual.
• Participate and contribute to ongoing business improvement activities.
• Deliver first-class proactive customer service through inbound and outbound communication by telephone, email, and letter to all case stakeholders, including introducers, service suppliers, reference providers, and occasionally applicants.
• Build a thorough understanding of the products offered by the Firm, its lending strategy, credit risk policies, and processes.
• Assess borrower creditworthiness and underwrite new mortgage applications from initial receipt through to completion.
• Ensure a high level of accuracy in data entry and ongoing record keeping.
• Assist with the portfolio of live loans as required.
• Support the wider processing team and underwriting peer groups in delivering an excellent, compliant service with prompt and accurate decisions at each stage of the process.

What We’re Looking For

Skills and Competencies

Essential:

• Strong analytical and decision-making skills
• Strong organizational skills and attention to detail; ability to prioritize tasks effectively
• Excellent communication skills (telephone, email, letter)
• Adaptability and flexibility to meet changing business needs
• Ability to thrive under pressure and consistently meet tight deadlines with a proactive and positive mindset
• High level of accuracy in data entry and record keeping
• Ability to understand the firm's products, lending strategy, credit risk policies, and processes

Desirable:

• Participation in business improvement activities
• Support for wider processing teams and underwriting peer groups
• Knowledge of the latest industry regulations and compliance requirements

Qualifications and Experience

Essential:

• Experience in Bridging, Refurbishment, or Development Finance, ideally 2 years
• Comprehensive knowledge of the full lifecycle of a bridging loan
• Experience working in a small, collaborative team
• Record and file management experience
• Experience with both regulated and unregulated bridging finance transactions

Desirable:

• 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: 23 days annual leave, 8 statutory holidays, plus 2 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 2023 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.